# BANK OF HOUSTON
HOUSTON, TX · FDIC certificate 57965 · asset band $1-10B · latest filing 2014-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $1.04B | |
| Deposits | $817.4M | |
| Loans and leases | $785.8M | |
| Total equity | $89.9M | |
| Loans / deposits | 95.46% (p84 of band) | 80.83% |
| Liquid assets / assets | 21.53% (p34 of band) | |
| Uninsured deposits / deposits | 47.94% (p92 of band) | 22.76% |
| Brokered deposits | 4.06% | |
| Wholesale funding | 16.56% (p81 of band) | |
| FHLB advances / assets | 12.50% | |
| Tier 1 leverage | 9.15% (p36 of band) | 9.78% |
| Unrealized securities loss / equity | 0.93% (p74 of band) | -0.17% |
| AOCI / equity | 0.60% (p51 of band) | |
| ROA (annualized) | 1.14% (p74 of band) | 0.87% |
| Net interest margin | 4.32% (p89 of band) | 3.48% |
| Efficiency ratio | 56.14% (p19 of band) | |
| Noncurrent loans | 0.07% (p3 of band) | 1.07% |
| Net charge-offs (annualized) | 0.07% (p60 of band) | |
| Reserve coverage of noncurrent | 940.03% | |
| Real estate % of loans | 72% | |
| Construction % of loans | 144.27% (p100 of band) | |
| Auto loans | $747,000 (0.10% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p38 of band) | |
| Deposits YoY | 12.1% | |
| Employees | 112 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | construction >100% equity |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 | capital falling | construction >100% equity |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 | construction >100% equity | capital falling |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | construction >100% equity |
| 2013-09 | 1 | construction >100% equity |  |
| 2013-12 | 3 | uninsured deposits >50%, run vulnerability |  |
| 2014-03 | 3 | wholesale funding >15%, capital falling | uninsured deposits >50%, run vulnerability |

## 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=57965 (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/45.json (key "57965", 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