Houston Bank & Trust: Income and Expense
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Data as of · Call Report Schedule RI How we update
Houston Bank & Trust reported all 18 line items on this page on its Q3 2026 filing. Net income was -$2.5M in Q3 2026.
Return on assets climbed 83.47 percentage points in Q3 2026, from -106.23% to -22.76%. It was the largest change from Q2 2026 among the key lines here. On return on assets, Houston Bank & Trust is 1st from the bottom among 345 Texas banks, -22.76% (Q3 2026). Houston Bank & Trust's return on assets of -22.76% is well below the 0.98% median for banks in the < $100M asset tier, a gap of 23.73 points (Q3 2026).
Net income
| Line item | Q3 2026 |
|---|---|
| Net income | -$2.5M |
| Return on assets | -22.76% |
| Return on equity | -27.70% |
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Interest income and expense
Net interest margin changed the most here, up 0.55 points to 3.77% in Q3 2026 from 3.22% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $63K |
| Total interest expense | $38K |
| Interest expense on deposits | $38K |
| Net interest margin | 3.77% |
Noninterest income and expense
Total noninterest expense moved most in this table, down 73.3%: $10.3M in Q2 2026, $2.8M in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Total noninterest expense | $2.8M |
| Salaries and general administrative expense | $1.9M |
| Amortization of intangibles | $0 |
| Other noninterest expense | $841K |
| Efficiency ratio | 620.00% |
Productivity
| Line item | Q3 2026 |
|---|---|
| Assets per employee | $1.5M |
| Revenue per employee | $52K |
| Full-time equivalent employees | 34 |
Credit costs and securities results
Largest change in this table: provision expense to average assets, up 1.68 points to 1.77% in Q3 2026 after 0.09% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Provision for credit losses | $195K |
| Provision expense to average assets | 1.77% |
| Realized gain/(loss) on securities | $0 |
Income and Expense trend
Each bar is that quarter alone, not a year-to-date total.
Lower is better: it is expense as a share of revenue.
Income and Expense by quarter
| Quarter | Net income | Return on assets | Efficiency ratio |
|---|---|---|---|
| Q2 2026 | -$10.2M | -106.23% | 9840.95% |
| Q3 2026 | -$2.5M | -22.76% | 620.00% |
Houston Bank & Trust income and expense, quarter by quarter
Income and Expense since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RI, 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)