# BANK OF HOUSTON
HOUSTON, MO · FDIC certificate 13960 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $67.4M | |
| Deposits | $51.2M | |
| Loans and leases | $54.8M | |
| Total equity | $9.5M | |
| Loans / deposits | 103.56% (p94 of band) | 73.59% |
| Liquid assets / assets | 15.58% (p13 of band) | |
| Uninsured deposits / deposits | 7.16% (p7 of band) | 19.81% |
| Brokered deposits | 6.67% | |
| Wholesale funding | 15.58% (p92 of band) | |
| FHLB advances / assets | 8.91% | |
| Tier 1 leverage | 14.14% (p72 of band) | 11.76% |
| Unrealized securities loss / equity | -4.30% (p59 of band) | -6.57% |
| AOCI / equity | 0.02% (p86 of band) | |
| ROA (annualized) | 1.07% (p44 of band) | 1.17% |
| Net interest margin | 5.72% (p97 of band) | 3.93% |
| Efficiency ratio | 78.56% (p76 of band) | |
| Noncurrent loans | 0.16% (p39 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 2096.59% | |
| Real estate % of loans | 69% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $26,000 (0.05% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.9% | |
| Employees | 24 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 1 |  | losing money, charge-offs p90 |
| 2011-09 | 2 | losing money |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 1 |  | losing money |
| 2012-06 | 3 | noncurrent p90, uninsured deposits leaving |  |
| 2012-09 | 5 | losing money, deposits shrinking, assets shrinking | uninsured deposits leaving |
| 2012-12 | 7 | capital falling, uninsured deposits leaving |  |
| 2013-03 | 6 | expense ratio p90 | losing money, capital falling |
| 2013-06 | 3 | charge-offs p90 | deposits shrinking, assets shrinking, uninsured deposits leaving, expense ratio p90 |
| 2013-09 | 3 |  |  |
| 2013-12 | 4 | capital falling |  |
| 2014-03 | 5 | losing money, expense ratio p90 | charge-offs p90 |
| 2014-06 | 6 | charge-offs p90 |  |
| 2014-09 | 6 |  |  |
| 2014-12 | 6 |  |  |
| 2015-03 | 5 |  | charge-offs p90 |
| 2015-06 | 5 |  |  |
| 2015-09 | 4 |  | capital falling |
| 2015-12 | 4 |  |  |
| 2016-03 | 4 |  |  |
| 2016-06 | 4 |  |  |
| 2016-09 | 5 | capital falling |  |
| 2016-12 | 9 | charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2017-03 | 7 |  | capital falling, charge-offs p90 |
| 2017-06 | 6 |  | uninsured deposits leaving |
| 2017-09 | 7 | capital falling |  |
| 2017-12 | 5 |  | deposits shrinking, assets shrinking |
| 2018-03 | 5 |  |  |
| 2018-06 | 5 |  |  |
| 2018-09 | 6 | assets shrinking |  |
| 2018-12 | 6 | deposits shrinking, uninsured deposits leaving | reserve under noncurrent, noncurrent p90 |
| 2019-03 | 5 |  | capital falling |
| 2019-06 | 5 |  |  |
| 2019-09 | 6 | NIM <2.5% |  |
| 2019-12 | 5 | noncurrent p90, reserve under noncurrent | assets shrinking, deposits shrinking, uninsured deposits leaving |
| 2020-03 | 3 | uninsured deposits leaving | NIM <2.5%, noncurrent p90, reserve under noncurrent |
| 2020-06 | 2 |  | uninsured deposits leaving |
| 2020-09 | 3 | loans exceed deposits |  |
| 2020-12 | 4 | brokered >10%, wholesale funding >15% | loans exceed deposits |
| 2021-03 | 1 |  | losing money, expense ratio p90, brokered >10% |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | wholesale funding >15% |
| 2021-12 | 1 | uninsured deposits leaving |  |
| 2022-03 | 1 | assets shrinking | uninsured deposits leaving |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 | uninsured deposits leaving | assets shrinking |
| 2022-12 | 2 | loans exceed deposits |  |
| 2023-03 | 1 |  | loans exceed deposits |
| 2023-06 | 4 | loans exceed deposits, wholesale funding >15%, capital falling |  |
| 2023-09 | 4 | deposits shrinking | uninsured deposits leaving |
| 2023-12 | 3 |  | deposits shrinking |
| 2024-03 | 4 | charge-offs p90 |  |
| 2024-06 | 4 |  |  |
| 2024-09 | 4 |  |  |
| 2024-12 | 3 |  | capital falling |
| 2025-03 | 1 |  | loans exceed deposits, charge-offs p90 |
| 2025-06 | 2 | loans exceed deposits |  |
| 2025-09 | 2 | charge-offs p90 | loans exceed deposits |
| 2025-12 | 3 | loans exceed deposits, assets shrinking | wholesale funding >15% |
| 2026-03 | 1 |  | charge-offs p90, assets shrinking |
| 2026-06 | 2 | wholesale funding >15% |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2024-01-19 [Rural bank that entered St. Louis market in 2019 to open branch in Wildwood - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOb3pMU1cyWEVGakRrLTRncU1FYXFqRGMweE9TZ0pLUkJuZFJndzJtSjNNSHFsdVptX1ZKVmxWUDk0ZVRtMWhwWFc2YndHYkVGWVo1TzRCZHI0OE1zQVEzaGh3UkJUSk5hR1AzWm5kcWozOFhCV0NCLXcwY3ZYeGx3U21oMVdXYW5qRnZuOWNFZU5JTV8ydk41eGVlVk40MHZrQ2tINmFzMjA?oc=5) · The Business Journals
- 2020-07-01 [Black-Owned Banks by State - Investopedia](https://news.google.com/rss/articles/CBMicEFVX3lxTFB5NHlXMVFqNU0wTjdESlM2b0g4OGp5ODQ0cTNtOW83eFBEMTBWbl9kUUp4VTNHX3plLVBlS3J1X3VNMGdhcDVaajZrZTJlX3RuS3FPNjJHWkNBSlRxbExsUFVlbUJfTjhZa3B3TS02Q2M?oc=5) · Investopedia
- 2020-06-24 [Texas' last black-owned bank hasn't made a profit in 3 years. But there's hope. - Houston Chronicle](https://news.google.com/rss/articles/CBMirgFBVV95cUxOTXViY2RvWV9GZmt4NzdaWjdSQTRlc3ljUHNKS0pHQV9jU0ZWS25KZjZiX3BYamstR1JqWFhaVGg1bmxUcG4td2RpQVQ4VHg1bGdEOTlHR3l1TExlNngwZHhLTGZWUDFKTzJTOURHRnBCMzA4aVhkOG5yNW5BY01HbGNaZjdUNDFiR2RkR0J2MHhTVjUtUHlEeVNfRVRseEptaGlYR1VyM1ZlSzN5MWc?oc=5) · Houston Chronicle
- 2026-07-16 [Houston’s fastest-growing community bank increases deposits by 513.3% - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxQOUFPaGg1alNRc0t3ZEZEcjMxdnBNRkNLc3lxc3hac1A3UnhiMEktZUJXMWxiYXY3R3ZPYU1xUzdHNU9Hbm9qVENENnFCcHEwWEJkcS1jTkpzekg4VXg3cUxqQWlFMmlwTWJSY2I5b1psWG82Ykgtc196dGx2SnByNHBkMW5MVHF5b2VhY0hrekJuaFJWQnJtdDBGc3pockxsT0J1YWlB?oc=5) · The Business Journals
- 2022-12-11 [H. Grant Obituary - Houston, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMiekFVX3lxTFBaSUJzQklQd3dZUnRJcmZIaUgtanBva3FpMDJHNWJGcmo3Ym5VVmxoVDFUeGdqVFdJMHhOZ3A3c1h4MGNDWFN1RklEaVBmWTNJVG1wbTMwVmsxdFJUekJWY0daTVNPY05oSTZrVFJyQUw3cGloWjVjclN3?oc=5) · Dignity Memorial
- 2025-09-02 [Wilma Lavere Smith Obituary (2025) - Licking, MO - Fox Funeral Home - Licking - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE5TQjdUQzZqR095NUZrUnZBRURvYzFvNV9RLVdKT09LVUp2cS12U20yTnJjel94ZGdLMDNfc21tYTgxRUx3Q3loTTMtR05pUm9sUEs4Q09CeUh6QWpjdUdEZXRLdGFuV1pGTHpQLTJ1UXpteTRQU1dXelJ6ZjJCMGc?oc=5) · legacy.com
- 2019-08-02 [Tiny bank enters St. Louis market with big ambitions and millions in new capital - The Business Journals](https://news.google.com/rss/articles/CBMinwFBVV95cUxQZENvdEp6blBkTk9vczM0aXNSVHRZbEp5UWEzWFpYeGVZZ2NVeUNaSnRTeE00N0J3MHhtLUtPdWFIYlZDbmtuV0Z0NjhzcXhiRmJ3cXdzei1pZl9vNkZhc1FJbjdpcktaTVF3cVFTUGx5b0FOOWZfTFlqN0htU3JWZHhIb21wRGZ1MmM0aVQ5VU1hdDM5SFB0TmpQbmhwb0U?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13960 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/8.json (key "13960", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide