Houston Bank & Trust (FDIC certificate #59360) is based in Houston, Texas. Its Q2 2026 call report shows $38.5M in total assets and $2.6M in deposits and 1 office.
Houston Bank & Trust has a TellerScore of 73 out of 100 (strong) based on Q2 2026 data — higher than only 48% of its 546 banks with under $100 million in assets. Among 349 banks headquartered in Texas, it ranks 200th. Capital cushion contributes the most (100/100, 93.01%); earnings contributes the least (0/100, -53.11%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
1 quarters
Health trend
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 73 | $38.5M | 93.01% | 0.00% | -53.11% | 23.6% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Avana BankBank Abilene, TX | 79 out of 100, Strong | $39.6M | 17.5% | 0.00% | vs |
| The Bank of San Jacinto County, Coldspring, TexasBank Coldspring, TX | 97 out of 100, Very strong | $42.0M | 17.8% | 0.00% | vs |
| Robert Lee State BankBank Robert Lee, TX | 64 out of 100, Moderate | $42.9M | 14.1% | 2.09% | vs |
| Brazos National BankBank Richwood, TX | 62 out of 100, Moderate | $27.6M | 56.1% | 5.07% | vs |
| The Donley County State BankBank Clarendon, TX | 66 out of 100, Moderate | $49.7M | 20.9% | 2.77% | vs |
| The First National Bank of LipanBank Lipan, TX | 78 out of 100, Strong | $25.9M | 10.6% | 0.00% | vs |
Deposit insurance
Is my money safe at Houston Bank & Trust?
Yes. Houston Bank & Trust is an FDIC-insured institution (FDIC certificate #59360). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 79.8% of deposits ($2.1M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 93.01%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
1 location
Branches
Houston Bank & Trust lists 1 office in 1 city. Most locations:
- Houston, TX (1)
Identity & history
Profile
- Legal name
- Houston Bank & Trust
- Type
- State-chartered bank
- FDIC certificate #
- 59360
- RSSD ID
- 6051022
- Primary regulator
- FDIC
- Established
- May 22, 2026
- Headquarters
- 2603 Augusta Dr, Houston, TX 77057
- Website
- www.houstonbanktx.com
- Employees
- 21
Quick answers
Houston Bank & Trust: common questions
Is Houston Bank & Trust FDIC insured?
Yes. Houston Bank & Trust is an FDIC-insured institution (FDIC certificate #59360). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Houston Bank & Trust's TellerScore?
73 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Houston Bank & Trust ever failed?
There is no failure record for FDIC certificate #59360 in the FDIC failed bank list.
How many branches does Houston Bank & Trust have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Houston
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Local 24 Employees Federal Credit UnionCredit union Pasadena, TX | 98 out of 100, Very strong | $13.6M | 21.0% | 0.26% | vs |
| Corpus Christi Postal Employees Credit UnionCredit union Corpus Christi, TX | 96 out of 100, Very strong | $17.1M | 20.3% | 0.00% | vs |
| Port of Houston Warehouse Federal Credit UnionCredit union Houston, TX | 96 out of 100, Very strong | $5.4M | 21.6% | 0.52% | vs |
| Schlumberger Employees Credit UnionCredit union Sugar Land, TX | 94 out of 100, Very strong | $935.8M | 25.3% | 0.57% | vs |
| Ila 1351 Federal Credit UnionCredit union La Porte, TX | 92 out of 100, Very strong | $17.3M | 17.0% | 0.00% | vs |
| Light Commerce Credit UnionCredit union Houston, TX | 92 out of 100, Very strong | $5.0M | 26.8% | 0.93% | vs |