The Bank of Houston: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Bank of Houston of Houston, MO against its peer group of 536 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.39% | 3.14% | -2.75% | 22nd bottom |
| ROAE | 2.75% | 10.43% | -7.68% | 22nd bottom |
| Net Interest Margin | 5.50% | 3.93% | +1.57% | 94th top |
| Efficiency Ratio | 89.03% | 76.28% | +12.75% | 19th bottom |
| PPNR / Avg Assets | 0.60% | 1.40% | -0.80% | 23rd bottom |
| Yield on Earning Assets | 7.44% | 5.35% | +2.09% | 96th top |
| Cost of Funds | 2.46% | 1.70% | +0.76% | 16th bottom |
| Net Interest Spread | 4.82% | 3.31% | +1.51% | 94th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 1.03% | 1.34% | -0.31% | 30th below |
| NPA / Total Assets | 0.84% | 0.71% | +0.13% | 22nd bottom |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 3.37% | 1.48% | +1.89% | 95th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 327.13% | 865.63% | -538.50% | 71st above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.20% | 8.26% | -3.06% | 33rd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 14.14% | 17.61% | -3.47% | 59th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 14.11% | 16.43% | -2.32% | 61st above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 13.46% | 16.18% | -2.72% | 60th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 107.17% | 72.76% | +34.41% | 6th bottom |
| Core Deposit Ratio | 84.06% | 88.22% | -4.16% | 20th bottom |
| Wholesale Funding Ratio | 8.91% | 5.26% | +3.65% | 17th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.94% | 4.30% | +0.64% | 64th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.84% | 6.72% | -0.88% | 63rd above |
| Deposit Growth (Y/Y) | 6.87% | 3.76% | +3.11% | 73rd above |
See The Bank of Houston's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Bank of Houston, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Bank of Houston profile, how to read a UBPR, or how this data updates.