# BANK OF HOUSTON
HOUSTON, TX · FDIC certificate 3178 · asset band $300M-1B · latest filing 2026-03 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. Composite score 9 (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 | $685.6M | |
| Deposits | $596.7M | |
| Loans and leases | $631.9M | |
| Total equity | $70.6M | |
| Loans / deposits | 105.11% (p95 of band) | 80.78% |
| Liquid assets / assets | 5.58% (p1 of band) | |
| Uninsured deposits / deposits | 52.54% (p96 of band) | 25.87% |
| Brokered deposits | 0.69% | |
| Wholesale funding | 2.88% (p49 of band) | |
| FHLB advances / assets | 2.19% | |
| Tier 1 leverage | 9.51% (p24 of band) | 10.64% |
| Unrealized securities loss / equity | -0.23% (p92 of band) | -8.46% |
| AOCI / equity | -0.03% (p80 of band) | |
| ROA (annualized) | -2.92% (p0 of band) | 1.22% |
| Net interest margin | 4.13% (p66 of band) | 3.83% |
| Efficiency ratio | 193.90% (p100 of band) | |
| Noncurrent loans | 0.12% (p27 of band) | 0.42% |
| Net charge-offs (annualized) | 0.10% (p88 of band) | |
| Reserve coverage of noncurrent | 602.33% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 101.93% (p87 of band) | |
| Auto loans | $20,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -5.0% | |
| Employees | 43 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **uninsured deposits >50%** (`liq_uninsured`)
- **liquid assets <10%** (`liq_thin`)
- **run vulnerability** (`liq_runrisk`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **construction >100% equity** (`conc_construction`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | reserve under noncurrent |  |
| 2012-03 | 3 | losing money, charge-offs p90 |  |
| 2012-06 | 3 | noncurrent p90 | charge-offs p90 |
| 2012-09 | 1 |  | reserve under noncurrent, noncurrent p90 |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 | reserve under noncurrent | losing money |
| 2013-06 | 1 |  |  |
| 2013-09 | 4 | losing money, expense ratio p90, noncurrent p90 |  |
| 2013-12 | 2 |  | reserve under noncurrent, noncurrent p90 |
| 2014-03 | 2 |  |  |
| 2014-06 | 1 |  | losing money |
| 2014-09 | 3 | capital falling, losing money |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 0 |  | expense ratio p90, capital falling, losing money |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 0 |  | capital falling |
| 2016-03 | 2 | expense ratio p90, NIM <2.5% |  |
| 2016-06 | 4 | deposits shrinking, assets shrinking |  |
| 2016-09 | 4 |  |  |
| 2016-12 | 5 | uninsured deposits leaving |  |
| 2017-03 | 4 |  | expense ratio p90 |
| 2017-06 | 2 |  | deposits shrinking, assets shrinking |
| 2017-09 | 5 | capital falling, deposits shrinking, assets shrinking |  |
| 2017-12 | 0 |  | NIM <2.5%, uninsured deposits leaving, capital falling, deposits shrinking, assets shrinking |
| 2018-03 | 2 | losing money, expense ratio p90 |  |
| 2018-06 | 3 | NIM <2.5% |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 | capital falling | NIM <2.5% |
| 2019-03 | 3 |  |  |
| 2019-06 | 2 |  | capital falling |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | loans exceed deposits |  |
| 2020-03 | 2 | capital falling | losing money, expense ratio p90 |
| 2020-06 | 2 |  |  |
| 2020-09 | 4 | uninsured deposits >50%, run vulnerability |  |
| 2020-12 | 2 |  | loans exceed deposits, run vulnerability |
| 2021-03 | 2 |  |  |
| 2021-06 | 3 | construction >100% equity |  |
| 2021-09 | 2 |  | construction >100% equity |
| 2021-12 | 4 | run vulnerability, construction >100% equity |  |
| 2022-03 | 1 |  | capital falling, run vulnerability, construction >100% equity |
| 2022-06 | 5 | loans exceed deposits, liquid assets <10%, run vulnerability, construction >100% equity |  |
| 2022-09 | 5 | capital falling | liquid assets <10% |
| 2022-12 | 6 | wholesale funding >15%, liquid assets <10% | capital falling |
| 2023-03 | 5 |  | liquid assets <10% |
| 2023-06 | 4 |  | construction >100% equity |
| 2023-09 | 3 |  | wholesale funding >15% |
| 2023-12 | 3 |  |  |
| 2024-03 | 5 | deposits shrinking, uninsured deposits leaving |  |
| 2024-06 | 2 |  | loans exceed deposits, deposits shrinking, uninsured deposits leaving |
| 2024-09 | 4 | loans exceed deposits, capital falling |  |
| 2024-12 | 4 |  |  |
| 2025-03 | 2 |  | loans exceed deposits, capital falling |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 3 | loans exceed deposits |  |
| 2026-03 | 9 | liquid assets <10%, losing money, expense ratio p90, construction >100% equity, deposits shrinking, assets shrinking |  |

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

- 2026-09-02 [The Best Regional Banks in Houston, According to Locals - Chron](https://news.google.com/rss/articles/CBMia0FVX3lxTFBHa0ZqS3lwYXhvOFZjVW1IUDVNck1VR2pQYTgwTGNZWFl4TElSWnpDMTBGekZMSkRGS1hlcEs2WFdja0xHTlpFaGM0emI2UXFNdlNyRjU0dF9uV0h2bDVoa1JscFZPd1ZMNHZV?oc=5) · Chron
- 2026-04-02 [Lubbock-based South Plains Financial completes acquisition of Bank of Houston - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQNzgzLWczdzJLRlZJRzgxWDAtN3JZN2Vid0VfX3BYSDNCUmpWM3ZGNDZxeXQzVHEtRV9rU3dTTVFFZE9neFNuaDhqQ2VlMU5iTklMS1RvbXBrWWdTWUhpTHBIVDhJc0tBYVpGVlNBWm9ObEwxWjI5RzU5bU5yNUU4UnVmNEJ5OUZoZ041Q0t0ZmY4X0Z4YmZYLVBGdi0wcG1JV3dEU1J6T01lSkU?oc=5) · The Business Journals
- 2025-12-03 [Lubbock bank to buy Houston lender for $106M - Banking Dive](https://news.google.com/rss/articles/CBMingFBVV95cUxPMVVEN1hwMWxNWm5tX2NoYkxOS3pRRGJWSlRhWnQ0cTh1VnVONFlDeFRTYXFOeGhrd2hBczVYSHZucUZRZFRLd3M5VXRDaXpCd1M1OVFMYjZNcE5SNGNoWjM5Q3JsNXNna2FOWUFRY1N3VXZpLTB4dWVaTDZGaW9zSTNja3ktREF4djJZTVRrZ2VTaFM0VnU2czNRN1NfUQ?oc=5) · Banking Dive
- 2026-07-17 [South Plains Financial Reports Second Quarter 2026 Net Income of $19.0 Million, Highlights Successful Bank of Houston Integration - Quiver Quantitative](https://news.google.com/rss/articles/CBMi-gFBVV95cUxPYi10N2lzVDFsUHVjaG5qanJUeE1hNkIzUFZGOC1hUTZfTDRrcWRaOUcybFo1STZLN2ZGeHVMY2h3S0F6OFd4MmsxWEUwZDVTNjN0VVlBZGVwWFUybFZRbjhydzVYVkNMM1ViWElwQ2JObWlhMTZUSENHU0ZWa2JOeUk4TmxfSlh1Q2FzWlJBQUNWbTY5UGs0Ykk3UFVJVkhpakY1cFhuNDREbzJxYVB6QThadUdacjNlZ2VxbDluOURMU3k3MDlmcXcxNjctOGZNZFhhYjBPbzNNUnE2SHlaNDZfX2pTQnJsTm9WR19nUzEyel9wODYwOC1B?oc=5) · Quiver Quantitative
- 2025-12-02 [Deal would boost Lubbock-based bank's profile in Houston - American Banker](https://news.google.com/rss/articles/CBMilgFBVV95cUxObnk5eGUyQkt5TXNLRVVTckVSbUs2SGlMRHlXUzczOEpDd3NOdVZvYUZWVFJhZ2Vpa0NpaFFkQk1UUWJybmNUTllVU0pTTEcyZUpSYzVlM0M2RTJKMnNKM1Z0SjVUS2xiTG55bzBGdXlfcGFBZC13bm05NkJqdlBpOFBuSnRseEExZHRXM3ZzSkllWWl0ZUE?oc=5) · American Banker
- 2026-05-05 [Elmore Succeeds Coker as President & CEO of Advantage Business Capital - ABF Journal](https://news.google.com/rss/articles/CBMinAFBVV95cUxOMkthNWtqOWNocEpULU1xUUtiUjFYWF9ZVTV4UThEbEhSOGJkTFBSc3lOVVVDV2ZLakFuUUVuOEVpVm1IbDBQZXBzYkU1N01tRFZ0WmUxbWVZaVR2cjA4bmxyOE9oSkNXWExjcGhoN2F6alFXdktXazZQRUNTSUhUVDFfaVZNamxfelJYYzBCREgwblV4R19uLTlaejQ?oc=5) · ABF Journal
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 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

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3178 (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/42.json (key "3178", 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