Bank Safety Analysis
Is Houston Bank & Trust Safe? Houston, Texas
Based on its Q3 2026 call report, Houston Bank & Trust meets the community bank leverage ratio test for well capitalized, its Texas ratio is 0.00%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is Houston Bank & Trust safe?
On its Q3 2026 call report, Houston Bank & Trust's Community Bank Leverage Ratio is 83.04%, above the 8% threshold that makes a community bank well capitalized.
- CET1 ratio (Q3 2026): not reported (community bank leverage ratio filer)
- Community Bank Leverage Ratio (Q3 2026): 83.04%
- Texas ratio (Q3 2026): 0.00%
- Noncurrent loans ratio (Q3 2026): 0.00%
Houston Bank & Trust is an FDIC-insured commercial bank (FDIC Certificate #59360). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report Houston Bank & Trust (FDIC Certificate #59360) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
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Houston Bank & Trust is outside the pass range on 1 of 5 safety dimensions: operating efficiency. Capital and leverage are above their regulatory minimums. The failed band is a BankRegReports band, not a supervisory threshold. 1 risk screen is flagged: loan-to-deposit ratio.
The standout move of Q3 2026 was in return on assets: 83.47 percentage points higher than in Q2 2026, at -22.76%. As of Q3 2026, Houston Bank & Trust ranks first in Texas on leverage ratio among 345 banks, at 83.04%. Houston Bank & Trust's leverage ratio of 83.04% is well above the 12.88% median for banks in the < $100M asset tier, a gap of 70.17 points (Q3 2026).
Houston Bank & Trust ranks as the 339th largest of the 345 banks based in Texas, by total assets at Q3 2026. Construction and land development loans are its largest loan category, $7.5M of $15.1M in total loans on its September 30, 2026 call report. Against the 567 banks with under $100M in assets for Q3 2026, Houston Bank & Trust's community bank leverage ratio of 83.04% is above the 12.88% median, nonperforming loans ratio of 0.00% is below the 0.36% median, Texas ratio of 0.00% is below the 1.89% median, and efficiency ratio of 620.00% is above the 69.32% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
Houston Bank & Trust's composite risk score is 1.11 out of 100, on the model's 1-year horizon. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. How the failure model was trained and tested.
The risk tier comes from the composite score; the 12-month figure rounds to zero for this bank, so it is not shown beside a tier above Low.
How does Houston Bank & Trust score on capital, credit and costs?
Peer cohort: Under $100M (568 banks) · Industry averages as of Q3 2026.
Median of the 567 banks with under $100M in assets, Q3 2026: 12.88%.
Median of the 567 banks with under $100M in assets, Q3 2026: 12.88%.
Median of the 567 banks with under $100M in assets, Q3 2026: 0.36%.
Median of the 567 banks with under $100M in assets, Q3 2026: 1.89%.
Median of the 567 banks with under $100M in assets, Q3 2026: 69.32%.
Does Houston Bank & Trust trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | — | Not reported |
| Texas ratio BankRegReports band | 0.00% | Within range |
| Nonperforming loan ratio BankRegReports band | 0.00% | Within range |
| Uninsured deposit share BankRegReports band | — | Not reported |
| Loan-to-deposit ratio BankRegReports band | 114.35% | Flagged |
| Commercial real estate to capital supervisory threshold | 33.30% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
Texas Ratio: last 2 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 0.00% |
| Q2 2026 | 0.00% |
Loans by type, Q3 2026
- Construction and land development loans: $7.5M
- Non-owner-occupied commercial real estate loans: $4.8M
- Owner-occupied commercial real estate loans: $1.7M
- Commercial and industrial loans: $1.1M
- Other revolving consumer credit: $32K
How have Houston Bank & Trust's safety ratios changed?
| Quarter end | Total assets | Leverage (CBLR) | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|
| Sep 30, 2026 | $50.3M | 83.04% | 0.00% | 0.00% | 620.00% |
| Jun 30, 2026 | $38.5M | 93.01% | 0.00% | 0.00% | 9840.95% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Houston Bank & Trust FDIC insured?
Yes. Houston Bank & Trust is an FDIC-insured commercial bank (FDIC Certificate #59360). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Houston Bank & Trust well capitalized?
On its Q3 2026 call report, Houston Bank & Trust's Community Bank Leverage Ratio is 83.04%, above the 8% threshold that makes a community bank well capitalized. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the FDIC, applies.
What are Houston Bank & Trust's key safety ratios?
For Q3 2026, Houston Bank & Trust reports leverage 83.04%, Texas ratio 0.00%, noncurrent loans 0.00%. Its Texas ratio compares with the 1.89% median for the 567 banks with under $100M in assets.
What happens to my deposits if Houston Bank & Trust fails?
For Q3 2026, Houston Bank & Trust reported $13.2M in total deposits. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full Houston Bank & Trust profile.
How we score this
Houston Bank & Trust elects the community bank leverage ratio, so it reports no risk-based capital ratios. Under Prompt Corrective Action (12 CFR 324.403) and that framework it is well capitalized above 8% from July 1, 2026 (9% before), with a grace band one point below. Banks that do not elect it are graded on the CET1 ratio and the Tier 1 and total capital ratios.
Houston Bank & Trust fails or is near these bands: Efficiency Ratio, pass ≤ 75% (lower is better) and fail ≥ 90%. Every ratio's definition, bands and risk screen.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 59360) · FFIEC NIC profile (RSSD 6051022)
Explore: Full Houston Bank & Trust profile · Other banks in TX · Metric glossary · How the call report works
Ratio definitions: loan to deposit ratio, net interest margin, efficiency ratio, CET1 ratio, tier 1 capital and PPNR.