Houston Bank & Trust: Vital Signs
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Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
On its Q3 2026 filing, Houston Bank & Trust reported 18 of the 23 line items on this page. It did not report reserve coverage of nonperforming loans and securities to assets. It elected the community bank leverage ratio, so it files no CET1 capital ratio, tier 1 risk-based capital ratio and total risk-based capital ratio; the Tier 1 leverage ratio is its capital test. Tier 1 leverage ratio was 83.04% 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. Houston Bank & Trust has the 1st lowest return on assets of the 345 banks headquartered in Texas, at -22.76% as of 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).
Capital adequacy
Largest change in this table: equity capital to assets, down 20.24 points to 72.77% in Q3 2026 after 93.01% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | Not applicable (CBLR) |
| Tier 1 risk-based capital ratio | Not applicable (CBLR) |
| Total risk-based capital ratio | Not applicable (CBLR) |
| Tier 1 leverage ratio | 83.04% |
| Equity capital to assets | 72.77% |
| Tangible equity to tangible assets | 72.77% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies. What the community bank leverage ratio is.
Source: Call Report Schedule RC-R, Part I: Tier 1 leverage ratio (RCOA7204).
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Asset quality
Allowance for credit losses to loans changed the most here, down 0.07 points to 1.35% in Q3 2026 from 1.42% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Nonperforming loans to loans | 0.00% |
| Nonperforming assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.35% |
| Reserve coverage of nonperforming loans | — |
Earnings
| Line item | Q3 2026 |
|---|---|
| Return on assets | -22.76% |
| Return on equity | -27.70% |
| Net interest margin | 3.77% |
| Efficiency ratio | 620.00% |
| Yield on earning assets | 4.15% |
| Cost of funds | 2.28% |
Liquidity and funding
Largest change in this table: loan-to-deposit ratio, up 90.37 points to 114.35% in Q3 2026 after 23.98% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 114.35% |
| Core deposits to total deposits | 96.20% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 26.26% |
| Securities to assets | — |
Vital Signs trend
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q2 2026 | 93.01% | -106.23% | 3.22% | 0.00% | 0.00% |
| Q3 2026 | 83.04% | -22.76% | 3.77% | 0.00% | 0.00% |
Houston Bank & Trust vital signs, quarter by quarter
Vital Signs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC, RC-N, RC-R and 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)