Houston Bank & Trust: Deposit Base
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Data as of · Call Report Schedules RC-E and RC-O How we update
On its Q3 2026 filing, Houston Bank & Trust reported 20 of the 23 line items on this page. It did not report foreign office deposits, uninsured deposits and uninsured deposits to total deposits. Total deposits was $13.2M in Q3 2026. That is 26.3% of its total assets.
Loans and leases to core deposits climbed 94.88 percentage points in Q3 2026, from 23.98% to 118.87%. It was the largest change from Q2 2026 among the key lines here. Houston Bank & Trust has the 2nd lowest total deposits of the 345 banks headquartered in Texas, at $13.2M as of Q3 2026. Houston Bank & Trust's total deposits of $13.2M is well below the $53.2M median for banks in the < $100M asset tier, a gap of 75% (Q3 2026).
Deposit totals
Total deposits moved most in this table, up 401.6%: $2.6M in Q2 2026, $13.2M in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Total deposits | $13.2M |
| Domestic office deposits | $13.2M |
| Foreign office deposits | — |
| Deposits to total assets | 26.26% |
| Deposits to total liabilities | 96.45% |
Source: Call Report Schedule RC: Total deposits (item 13.a, RCON2200).
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Deposit composition
Transaction accounts to domestic deposits changed the most here, up 18.47 points to 27.62% in Q3 2026 from 9.15% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Demand deposits | $3.4M |
| Savings deposits | $1K |
| Transaction accounts to domestic deposits | 27.62% |
| Time deposits to total deposits | 5.84% |
| Time deposits under $100k | $20K |
| Time deposits $100k to $250k | $250K |
| Time deposits over $250k | $502K |
| Noninterest-bearing share of deposits | 26.91% |
Stability of funding
Core deposits moved most in this table, up 382.5%: $2.6M in Q2 2026, $12.7M in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Core deposits | $12.7M |
| Core deposits to total deposits | 96.20% |
| Insured deposits | $6.0M |
| Uninsured deposits | — |
| Uninsured deposits to total deposits | — |
| Brokered deposits | $0 |
| Brokered deposits to total deposits | 0.00% |
Cost of deposits
| Line item | Q3 2026 |
|---|---|
| Cost of interest-bearing deposits | 2.52% |
| Interest expense on deposits | $38K |
| Loans and leases to core deposits | 118.87% |
Deposit Base trend
Deposit Base by quarter
| Quarter | Total deposits | Core deposits | Brokered deposits |
|---|---|---|---|
| Q2 2026 | $2.6M | 100.00% | 0.00% |
| Q3 2026 | $13.2M | 96.20% | 0.00% |
Houston Bank & Trust deposit base, quarter by quarter
Deposit Base since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC-E and RC-O, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full Houston Bank & Trust profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 59360) · FFIEC NIC profile (RSSD 6051022)