Houston Business Bank

Headquarters

1535 West Loop South, Suite 120
Houston, TX 77027
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.05% →
1-Year CD N.A. 0.95% →
2-Year CD N.A. 1.05% →
5-Year CD N.A. 2.25% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Houston Business Bank is an FDIC insured institution located in Houston, TX. It was founded in 2009 and has approximately $0.03 billion in assets.

FDIC Insured Yes
FDIC Certificate # 58943
Date Established 2009
Assets $ 30.86 million
Loans $ 23.76 million
Deposits $ 20.21 million
Capital $ 9.01 million
 

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

Deposit Rates - September 23, 2020

Your Current Location: Connecticut, CT 06828


Loan Rates - September 23, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Houston Business Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.816% 2.750% 0.88 $2,132 $1,021 Learn More
Rocket Mortgage
NMLS ID: 3030
4.114% 3.990% 1.00 $3,750 $1,193 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.990 %
$0 Learn More
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People's United Bank, N.A.
People's United Bank, N.A.
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4.000 %
$0 Learn More
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Note to Houston Business Bank
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Branches

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

Your Location:
Fairfield,Connecticut


Houston Business Bank Locations


Financial Details

Houston Business Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Houston Business Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Houston Business Bank U.S. Bank Average
0% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, Houston Business Bank had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $9,006,000 in equity and $215,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
Houston Business Bank U.S. Bank Average
0.62% 7.80%

Houston Business Bank has a Return on Equity of 0.62% versus the BestCashCow average of 7.80%. 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
Houston Business Bank U.S. Bank Average
29.19% 12.68%

Houston Business Bank has a Capitalization of 29.19% versus the BestCashCow average of 12.68. 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.

Houston Business Bank Balance Sheet Analysis

As of June 30, 2012, Houston Business Bank had assets of $30,858,000, loans of $23,758,000, and deposits of $20,205,000. 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.

Summary Balance Sheet

March 31, 2020
ASSETS
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 23.76 million
Loan loss allowance $ 0.22 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 20.21 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 30.86 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Houston Business Bank’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, Houston Business Bank’s loan portfolio does not show any specific loan specialty.

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 0.00
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 0.00
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Frequently Asked Questions About Houston Business Bank

Branches and Savings

Is Houston Business Bank FDIC insured?

Yes. It is covered under FDIC Certificate #58943.

Why does Houston Business Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Houston Business Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Houston Business Bank a commercial bank?

Yes

Where are Houston Business Bank locations?

See branch locations nearby.

Is Houston Business Bank open on Saturdays?

Is Houston Business Bank open on Sundays?

What time does Houston Business Bank open?

What time does Houston Business Bank close?

Are Houston Business Bank ATMs Open 24/7?

Do Houston Business Bank ATMs accept cash deposits?

Can Houston Business Bank customers use other ATMs?

Do Houston Business Bank branches have notaries?

Will Houston Business Bank notarize my document?

What address for Houston Business Bank should I put for incoming ACH transfers?

Will the Houston Business Bank branch print checks?

Do Houston Business Bank checks expire?

Does Houston Business Bank require US citizenship to open account?

Can Houston Business Bank close my account?

Does Houston Business Bank Report to credit bureaus?

Does Houston Business Bank Use Equifax?

What is Houston Business Bank's ACH Routing Number?

What is Houston Business Bank's SWIFT code?

Products

Does Houston Business Bank offer mortgages?

Compare mortgage rates here.

Does Houston Business Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Houston Business Bank offer personal loans?

Compare personal loan rates here.

Does Houston Business Bank offer student loans?

Will Houston Business Bank cash a check?

Will Houston Business Bank redeem a savings bond?

Does Houston Business Bank cash savings bonds?

Will Houston Business Bank cash money orders?

Can Houston Business Bank issue a money order?

Does Houston Business Bank do currency exchange?

Background on The Bank

Who owns Houston Business Bank?

How long has Houston Business Bank been around?

Can Houston Business Bank transfer to other banks?

Does Houston Business Bank have quick pay?

Does Houston Business Bank accept rolled coins?

Will Houston Business Bank accept loose change?

Where is Houston Business Bank headquarters?

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