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Houston Bank & Trust
Houston, TX · FDIC Certificate #59360 · Chartered 05/2
Total assets
$38.55M
Total deposits
$2.63M
Total equity
$35.85M
Net loans
$623.00K
Branches (offices)
1
Net income (YTD)
-$10.24M
Rank: #4,105 of 4,213 U.S. banks by assets · #344 of 346 in Texas. Assets changed - and deposits - over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -53.11% |
| Return on equity | -57.11% |
| Net interest margin (YTD) | 0.64% |
| Equity to assets | 93.01% |
| Tier 1 leverage ratio | 93.01% |
| Uninsured deposits (share of deposits) | 79.8% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 23.6% |
| Real estate loans (share of loans) | 51.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $321.00K | 51.5% | |
| Commercial & industrial | $311.00K | 49.9% | |
| Consumer / individual | $0 | 0.0% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2026 | $38.55M | $2.63M | -$10.24M | $35.85M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $2.63M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.63M.
Similar-sized banks
Kingstree Federal Savings And Loan Association ($39.33M) · Peoples State Bank, Fairmount, N. D. ($38.49M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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