Bank of Houston

750 Bering Drive, Suite 100
Houston, TX 77057

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 57965
Date Established 2005
Assets $1.04 billion
Loans $0.78 billion
Deposits $0.82 billion
Capital $0.09 billion

Bank of Houston is an FDIC insured institution located in Houston, TX. It was founded in 2005 and has approximately $1.04 billion in assets.

For a more detailed analysis of Bank of Houston's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Bank of Houston’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and Construction and Development Loans.

Compared to other banks in Texas, Bank of Houston has a significantly higher percent of Commercial Real Estate, Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 12.74
Multifamily
Mortgages
2.19
Credit Card Loans 0.00
Consumer Auto Loans 0.10
Small Business Loans 10.36
Construction and Development Loans 16.62
Commercial Real Estate 40.80
Commercial and Industrial Loans 26.35
Farm Loans 0.00

Savings Rates

Your Current Location: Virginia, VA 20146

Loan Rates

Your Current Location: Virginia, VA 20146

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Branches

Bank of Houston branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Bank Of Houston Locations

Financial Details

Bank of Houston Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of Houston. The data is provided by the FDIC. Please remember that all banks listed on BestCashCow.com are FDIC insured while all credit unions are similarly insured by the NCUA. No depositor has ever lost money while their funds have been insured by the FDIC or NCUA.

Texas Ratio
Bank of Houston U.S. Bank Average
1.16% 9.11%

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2016, Bank of Houston had $582,000 in non-current loans and $523,000 in owned real estate. To cover these potential losses it had $89,869,000 in equity and $5,471,000 in loans loss reserves. That gives it a Texas Ratio of 1.16%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Bank of Houston U.S. Bank Average
12.67% 9.45%

Bank of Houston has a Return on Equity of 12.67% versus the BestCashCow average of 9.45%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Bank of Houston U.S. Bank Average
8.64% 11.28%

Bank of Houston has a Capitalization of 8.64% versus the BestCashCow average of 11.28%. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Bank of Houston Balance Sheet Analysis

As of March 31, 2014, Bank of Houston had assets of $1,039,808,000, loans of $780,283,000, and deposits of $817,435,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

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