Houston Bank & Trust: Profitability Analysis
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As of 2Q26, from the Call Report income statement (Schedule RI), balance sheet (Schedule RC) and quarterly averages (Schedule RC-K).
In 2Q26, net income of -$10.2M for the quarter was a return on assets of -106.23%. Return on equity is not shown because the prior quarter's equity is not served. Each line below is the quarter's amount times four over average assets of $38.5M; income adds to the return and expense takes from it.
Return on assets, line by line, 2Q26
The income statement for the quarter, each line as a share of average assets. The contributions add up to return on assets.
| Line | Effect on net income | Of average assets | Contribution to return on assets | Source |
|---|---|---|---|---|
| Net interest income | +$105K | 1.09% | +1.09% | RIAD4074 |
| Noninterest income | +$0 | 0.00% | +0.00% | RIAD4079 |
| Noninterest expense | -$10.3M | 107.22% | -107.22% | RIAD4093 |
| Pre-provision net revenue | -$10.2M | -106.14% | net interest income plus noninterest income less noninterest expense | |
| Provision for credit losses | -$9K | 0.09% | -0.09% | RIADJJ33 |
| Realized gains on securities | +$0 | 0.00% | +0.00% | RIAD3521, RIAD3196 |
| Other items before tax | +$0 | 0.00% | +0.00% | RIADHT70 (remainder) |
| Income before taxes | -$10.2M | -106.23% | RIAD4301 | |
| Income taxes | +$0 | 0.00% | -0.00% | RIAD4302 |
| Discontinued operations less noncontrolling interests | +$0 | 0.00% | +0.00% | RIADFT28, RIADG103 (remainder) |
| Net income: return on assets | -$10.2M | -106.23% | RIAD4340 |
From return on assets to return on equity
| Return on assets | -106.23% | net income -$10.2M x 4 / average assets $38.5M |
|---|---|---|
| Times: average assets to average equity | NA | $38.5M / average equity NA (the mean of NA and $35.9M at the two quarter ends) |
| Return on equity | NA | not available |
The same return on equity in three factors
| Net income to revenue (how much of each dollar of revenue is kept) | -9749.52% | -$10.2M / revenue $105K |
|---|---|---|
| Times: revenue to average assets (how hard the assets work) | 1.09% | revenue x 4 / $38.5M |
| Times: average assets to average equity (leverage) | NA | as above |
| Return on equity | NA | the product of the three |
Revenue is net interest income plus noninterest income. Income taxes were NA of income before taxes. The lines add up to net income as filed.
1 quarters against the asset-tier median
| Quarter | ROE | ROA | Efficiency | Tier median ROE | Tier median ROA | Tier median Efficiency |
|---|---|---|---|---|---|---|
| 2Q26 | NA | NA | NA | 8.58% | 1.06% | 69.48% |
These are the published figures on our bank pages. NA means not available for that quarter, or withheld because it falls outside a plausible range (for example, return on equity over negative equity). Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | ROE | ROA | Assets / equity | NII / AA | Fee income / AA | Expense / AA | Provision / AA | PPNR / AA | NI / revenue |
|---|---|---|---|---|---|---|---|---|---|---|
| Houston Bank & Trust (this bank) | NA | -106.23% | NA | 1.09% | 0.00% | 107.22% | 0.09% | -106.14% | -9749.52% | |
| Peoples State Bank, Fairmount, North Dakota | $38.5M | 14.32% | 0.98% | 14.63x | 4.37% | 0.07% | 3.12% | 0.00% | 1.32% | 22.04% |
| 2UNIFI Bank | $38.5M | 26.49% | 9.84% | 2.69x | 2.33% | 19.37% | 8.61% | 0.25% | 13.08% | 45.35% |
| Tucumcari Federal Savings & Loan Association | $38.4M | 0.41% | 0.06% | 6.64x | 3.06% | 0.10% | 3.13% | -0.06% | 0.03% | 1.97% |
| Cottonwood Valley Bank | $38.1M | 6.90% | 0.76% | 9.07x | 2.74% | 0.22% | 2.19% | 0.00% | 0.77% | 25.68% |
| The First National Bank at Saint James | $37.9M | 8.97% | 0.76% | 11.78x | 4.69% | 0.64% | 4.62% | 0.00% | 0.72% | 14.26% |
| Farmers State Bank of Emden | $37.8M | 3.07% | 0.90% | 3.39x | 3.40% | 0.04% | 2.06% | 0.26% | 1.38% | 26.30% |
| Kingstree Federal Savings and Loan Association | $39.3M | -4.96% | -0.65% | 7.67x | 1.73% | 0.22% | 2.55% | 0.26% | -0.60% | -33.16% |
| State Bank of Nauvoo | $37.7M | 4.87% | 0.41% | 11.84x | 3.55% | 0.23% | 3.34% | 0.00% | 0.44% | 10.86% |
| Avana Bank | $39.6M | -2.33% | -0.51% | 4.55x | 3.95% | 0.47% | 4.69% | 0.10% | -0.27% | -11.56% |
| Bank of Mead | $39.7M | 8.10% | 0.80% | 10.15x | 2.90% | 0.11% | 2.00% | -0.01% | 1.01% | 26.51% |
| Peer 25th percentile | 1.08% | 0.15% | 5.07x | 2.78% | 0.11% | 2.28% | 0.00% | 0.13% | 4.20% | |
| Peer median | 5.89% | 0.76% | 8.37x | 3.23% | 0.22% | 3.13% | 0.00% | 0.74% | 18.15% | |
| Peer 75th percentile | 8.75% | 0.88% | 11.38x | 3.85% | 0.41% | 4.30% | 0.21% | 1.24% | 26.15% | |
| This bank's percentile | NA | 0 | NA | 0 | 0 | 100 | 60 | 0 | 0 |
Every bank in this table, this one included, is measured the same way for 2Q26: each income statement line for the quarter times four over its Schedule RC-K average assets. AA is average assets; PPNR is pre-provision net revenue. The percentile places this bank in the peer range, 0 the lowest and 100 the highest; for an expense or the provision, lower is better. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RI (income statement, for the single quarter), Schedule RC (equity capital) and Schedule RC-K (average total assets), as filed. Ratios are annualized as the quarter times four. The same figures are in the API at /api/v1/banks/6051022/profitability-analysis/ and in the Excel workbook. Next: the income tab, the net interest margin analysis, the credit quality analysis, the peer analysis, or the full profile.