Houston Bank & Trust
Houston Bank & Trust is an FDIC-insured commercial bank headquartered in Houston, TX, supervised by the FDIC, with $50.3M in total assets at Q3 2026, the 339th largest of 345 banks headquartered in Texas. It was established in 2026 and holds FDIC certificate 59360.
Also written as HB&T
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 59360
- Headquarters
- Houston, TX
- Established
- 2026
- Total assets, Q3 2026
- $50.3M
- Capital ratio
- Not reported
- Domestic offices
- 1 branch
- Routing number
- 113026463
- Latest call report
- Q3 2026, FFIEC 051 · Houston Bank & Trust call report
- Asset rank in state
- 339th of 345 in Texas
Houston Bank & Trust, based in Houston, Texas, reported $50 million in assets at September 30, 2026. It is losing 27.7% a year on shareholders' equity, lower than about 9 in 10 of the 526 banks with less than $100 million in assets (median 8.8%). On the other hand, it funds 83.04% of its assets with Tier 1 capital, 6.4 times the median of 13.05% for banks its size.
It lost $2.5 million in the quarter. Funding is the softer spot: it pays an average of 2.28% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.58%).
As of September 30, 2026, Houston Bank & Trust reported a return on assets of -22.76%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Houston Bank & Trust ranks as the 339th largest of the 345 banks based in Texas, by total assets at Q3 2026. From Q2 2026 to Q3 2026, its total assets rose 30.6% to $50.3M, loans rose 2291.3% and deposits rose 401.6%. The largest part of its loan book on September 30, 2026 was construction and land development loans, at 49.4% of total loans, ahead of non-owner-occupied commercial real estate loans at 31.8%. Its one office in the FDIC Summary of Deposits is in Houston, TX. Judged on its Q3 2026 call report, Houston Bank & Trust meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 2603 Augusta Dr, Houston, TX 77057
- County
- Harris
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 22, 2026
- Domestic offices
- 1 branch
- Employees (FTE)
- 34
- Domestic deposits
- $13.2M
- Allowance for credit losses
- $204K
- Net charge-offs (YTD)
- $0
- Average total assets
- $44.1M
- Average total loans
- $3.4M
- Average interest-bearing deposits
- $4.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 22, 2026
- FDIC Cert
- 59360
- Fed RSSD
- 6051022
- Website
- www.houstonbanktx.com →
Profitability
Q3 annualizedBalance Sheet
Income Statement
Operating & Funding
Watch Houston Bank & Trust: get a note when its numbers change. Free, no card required.
Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. As a community bank leverage ratio filer, Houston Bank & Trust reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Inside the full Houston Bank & Trust terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Houston Bank & Trust rankings
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Houston Bank & Trust (main office) | Houston , TX | 77057 | $2.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 441 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Houston Bank & Trust
What are Houston Bank & Trust's total assets?
As of the Q3 2026 filing, Houston Bank & Trust reported total assets of $50.3 million in its FFIEC call report.
Where is Houston Bank & Trust headquartered?
It is headquartered in Houston, TX, United States.
When was Houston Bank & Trust founded?
It was established in 2026, per the FDIC institution directory.
Is Houston Bank & Trust FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #59360). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Houston Bank & Trust?
Houston Bank & Trust's primary federal regulator is the FDIC.
How many branches does Houston Bank & Trust operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Houston Bank & Trust's Texas Ratio?
Its Texas Ratio is 0.00% in its Q3 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures nonperforming assets against the bank's capital and reserves.
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