Houston Bank & Trust
Houston, Texas, Harris County
$39M in total assets, the 4,176th largest of 4,309 US banks and 348th of 352 headquartered in Texas.
- FDIC certificate
- 59360
- Established
- 2026
- Owned by
- No holding company
- Primary regulator
- FDIC
- Website
- www.houstonbanktx.com
At a glance
Compared with 41 banks headquartered in Texas with under $100 million in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $39M | 10% | $64M | |
| Loans | $632K | 7% | $24M | |
| Deposits | $3M | 7% | $55M | |
| Return on assets | n/a | n/a | 1.00% | |
| Net interest margin | 0.64% | 2% | 3.97% | |
| Efficiency ratio | 9841.0% | 98% | 74.9% | |
| Equity to assets | 93.01% | 98% | 12.88% | |
| Loans to deposits | 24% | 10% | 45% |
Growth
Houston Bank & Trust has filed financial reports for 1 quarter, too few for 5-year growth figures.
Where they operate
1 branch in 1 county.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Harris County, TX | $3M | 0.0% | 82 of 87 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 1 branch since 2016 (0 to 1). 1 opened, 0 acquired, 0 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 0 | |||
| 2026 through Q2 | Opened Houston | 1 | 0 | +1 | 1 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 51% | 20% | |
| Business (C&I) | 49% | 14% | |
| Construction and land | 0% | 6% | |
| Farmland | 0% | 8% | |
| 1-4 family residential | 0% | 28% | |
| Agricultural | 0% | 11% | |
| Consumer | 0% | 10% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 90% | 38% | |
| Noninterest-bearing | 9% | 36% | |
| Time deposits | 1% | 26% |
Brokered deposits are 0.0% of deposits (peers 0.8%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.00% | 0.13% |
| Net charge-offs, annualized | 0.00% | 0.00% |
| Reserves to loans | 1.42% | 1.48% |
| Leverage ratio | 93.01% | 13.57% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Texas
Largest competitors in Harris County, TX
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/houston