The Bank of Houston: how it compares with its peers
Against 38 MO banks with half to twice its assets, The Bank of Houston's strongest measure in Q2 2026 is net interest margin (5.72% vs. a 3.82% peer median). Its weakest relative measure is assets per employee ($2.8M vs. $6.7M).
| Measure | The Bank of Houston | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.07% | 1.21% | Middle third Ahead of 45% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.72% | 3.82% | Top third Ahead of 100% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 78.56% | 61.63% | Bottom third Ahead of 18% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $2.8M | $6.7M | Bottom third Ahead of 3% of peers |
| Loans to deposits Net loans and leases over total deposits. | 103.56% | 72.61% | Context |
What it means for lending operations
Its efficiency ratio of 78.56% is above the 61.63% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- America's Community Bank Blue Springs, MO · $64M
- Community Bank of Memphis Memphis, MO · $64M
- Montrose Savings Bank Montrose, MO · $63M
- First Security Bank Union Star, MO · $62M
- Bank of Iberia Iberia, MO · $74M
- Sherwood Community Bank Creighton, MO · $78M
Questions about The Bank of Houston
How big is The Bank of Houston?
The Bank of Houston, established in 1889, is headquartered in Houston, MO. It reported $67M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is The Bank of Houston's return on assets?
1.07% annualized in Q2 2026, against a 1.21% median for 38 MO banks with half to twice its assets, ahead of 45% of them.
What is The Bank of Houston's efficiency ratio?
78.56% in Q2 2026: it spent about 79 cents in noninterest expense for each dollar of revenue. The peer median is 61.63%, and lower is better.
Is The Bank of Houston growing its loans?
Net loans grew 6.5% over the year to Q2 2026, while deposits grew 6.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MO banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Missouri bank ranked.