Total Assets
$744M
Total balance-sheet footings
FDIC Cert #3178 · Houston, Texas · Est. 1892
Bank of Houston - FDIC Bank Health Profile
A community-scale look at Bank of Houston's own numbers, pulled straight from its quarterly FDIC Call Report.
- $744M
- Total assets
- A
- Health grade · Excellent
- 1.48%
- Return on assets
- 12.6%
- Tier 1 capital
Data updated July 2026
The verdict
Bank of Houston earns a PlainBankData health grade of A (87/100), with well-capitalized at 12.63% Tier 1, profitable at 1.48% ROA, efficient (51% cost ratio).
- #1,323
- largest of 4,313 FDIC banks by assets
- 69th
- percentile by asset size, nationally
- 12.63%
- Tier 1 ratio - above the 10% well-capitalized line
- 73rd
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Bank of Houston's 87/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Bank of Houston's composite health score
Tier 1 Capital Ratio (12.63%) 35/40
Return on Assets (ROA) (1.48%) 20/25
Texas Ratio (0.78%) 20/20
Efficiency Ratio (50.59%) 12/15
87 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$603M
Customer-funded liabilities
Net Loans
$620M
Outstanding loan book
Net Income
$11M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Bank of Houston ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of Houston's score of 87/100 falls in the highlighted band.
Bank of Houston's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Bank of Houston's $744M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.63% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.63%
Texas Ratio
0.78%
Equity Capital
$96M
Profitability metrics
Return on Assets (ROA)
73rd percentile nationally
1.48%
Return on Equity (ROE)
12.31%
Efficiency Ratio
50.59%
What the numbers say about Bank of Houston
Bank of Houston is an FDIC-insured institution (Certificate #3178) headquartered in Houston, Texas, established in 1892. It holds $744M in total assets - 1,323rd of 4,313 FDIC-insured banks, $603M in customer deposits, and $620M in net loans. On safety, its Tier 1 capital ratio of 12.63% is above the 10% well-capitalized threshold, and its Texas Ratio of 0.78% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (87/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Texas, Bank of Houston ranks 116th of 350 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$49M
Interest Income
$786K
Non-Interest Income
$15M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of Houston reports a Texas Ratio of 0.78% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.78% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Texas by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bank of Houston (FDIC Cert #3178) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Texas
All Texas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Charles Schwab Bank, SSBWestlake | $253.8B | A | 0.94% |
| Frost BankSan Antonio | $53.1B | A | 1.26% |
| Prosperity BankEl Campo | $38.5B | A | 1.44% |
| Texas Capital BankDallas | $31.3B | A | 1.10% |
| Charles Schwab Premier Bank, SSBWestlake | $27.0B | A | 1.47% |
| First Financial BankAbilene | $15.4B | A | 1.64% |
| NexBankDallas | $13.9B | A | 1.17% |
| PlainsCapital BankUniversity Park | $12.7B | B | 1.05% |
Frequently asked questions
What is Bank of Houston's health grade?▼
Bank of Houston receives a health grade of A (87/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Bank of Houston?▼
Bank of Houston holds $744M in total assets and $603M in deposits, ranking 1,323rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Houston, Texas.
Is my money safe at Bank of Houston?▼
Yes, deposits at Bank of Houston (Certificate #3178) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Bank of Houston's Tier 1 Capital Ratio?▼
Bank of Houston has a Tier 1 Capital Ratio of 12.63%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Bank of Houston?▼
Bank of Houston has a Texas Ratio of 0.78%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Bank of Houston?▼
Bank of Houston has an Efficiency Ratio of 50.59%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Bank of Houston's profile as a depositor or analyst.
- Bank of Houston's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Bank of Houston against other Texas banks before moving funds. Texas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.