# HOUSTON COMMUNITY BANK NA
HOUSTON, TX · FDIC certificate 23453 · asset band $300M-1B · latest filing 2014-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 1 (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 | $328.7M | |
| Deposits | $303.1M | |
| Loans and leases | $198.7M | |
| Total equity | $25.0M | |
| Loans / deposits | 64.86% (p23 of band) | 80.43% |
| Liquid assets / assets | 37.23% (p73 of band) | |
| Uninsured deposits / deposits | 34.78% (p88 of band) | 18.44% |
| Brokered deposits | 3.73% | |
| Wholesale funding | 3.73% (p37 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.43% (p3 of band) | 10.05% |
| Unrealized securities loss / equity | 0.21% (p46 of band) | 0.40% |
| AOCI / equity | 14.22% (p99 of band) | |
| ROA (annualized) | -0.35% (p2 of band) | 0.88% |
| Net interest margin | 3.92% (p69 of band) | 3.62% |
| Efficiency ratio | 85.73% (p88 of band) | |
| Noncurrent loans | 0.00% (p2 of band) | 0.96% |
| Net charge-offs (annualized) | 0.00% (p20 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 61% | |
| Construction % of loans | 77.03% (p83 of band) | |
| Auto loans | $16.8M (8.44% of loans; DQ 9.34%, NCO 0.00%) | |
| Loans to nondepository financials | $2.9M (12% of equity) (p97 of band) | |
| Deposits YoY | 9.3% | |
| Employees | 70 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | uninsured deposits leaving |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 0 |  | uninsured deposits leaving |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 1 | losing money |  |

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

- 2024-12-11 [Year in Review: $2 billion acquisition of Independent Bank was a Deal of the Week - The Business Journals](https://news.google.com/rss/articles/CBMinAFBVV95cUxQUTQ2Q1F3NkpwVXotenF4QzBZMlZhRmRpVVFBS2I3OTk5UVpETG5Vb3c3SmtFLU5fbVJOeXIwRzhDTEt0T3RiQjE0M3V3d3FRUTktazZrMTh0RmdWREhObmd3Zk1fbkxmREZJYmx4dkI3Nk12bXRoa2RSemhVR1RBSDJmUl9PdHRkWWowTDQwbzdMSkR3cFVsWWU4bU0?oc=5) · The Business Journals
- 2019-01-09 [Value of Texas bank deals plummet amid market woes - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOWDMyWi1wdVJNR3dfN2E2MVhBUzFHdGNNRFBmOTA0R1E3WnJNTXRxRDZkZHIxUWtOT21hUEZVMVNHZGpkMXM4N3JsLW04UzNSVWZDS3pZbGFaYlp1WXVjcy0wRU95azVSWkM3QzdlOF85YnlBb1VnV2JLUXRZR1ZIb2xUWkpkMnNXYkNNMUZkM0dUZkFnYUFTV1dFYnJOMGtFbG56bFdPMDZ2UUk?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=23453 (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/29.json (key "23453", 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