| Metric | The Bank of Houston | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.9% | +3.0% | +1.9 pts |
| Deposit growth (YoY) | +6.9% | +2.5% | +4.4 pts |
| Loan growth (YoY) | +6.5% | +2.6% | +3.9 pts |
| ROA | 1.07% | 0.99% | +0.1 pts |
| ROE | 7.4% | 8.1% | -0.6 pts |
ROA ranks in the 54th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $67.4M | $51.2M | $53.0M | $9.5M | $348K | 1.07% | 5.72% | 0.13% |
| Q1 2026 | $64.5M | $50.3M | $51.6M | $9.4M | $283K | 1.77% | 5.72% | 0.27% |
| Q4 2025 | $63.4M | $49.7M | $49.8M | $9.2M | $388K | 0.60% | 5.54% | 0.86% |
| Q3 2025 | $66.2M | $49.4M | $47.8M | $9.1M | $326K | 0.66% | 5.51% | 0.84% |
| Q2 2025 | $64.2M | $47.9M | $49.7M | $8.8M | $159K | 0.49% | 5.60% | 1.26% |
| Q1 2025 | $64.4M | $49.1M | $47.3M | $8.8M | $133K | 0.81% | 5.75% | 0.75% |
| Q4 2024 | $67.6M | $48.2M | $49.8M | $8.6M | $638K | 0.97% | 5.65% | 0.77% |
| Q3 2024 | $68.7M | $49.4M | $51.5M | $8.5M | $434K | 0.89% | 5.69% | 0.00% |
Loan mix (Q2 2026): real estate $37.8M · commercial $16.4M · consumer $73K · securities $5.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Bank of Houston | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.07% | 0.99% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 7.4% | 8.1% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.72% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.6% | 70.8% | 65th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | The Bank of Houston | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | The Bank of Houston | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | The Bank of Houston | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | The Bank of Houston | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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