The Bank of Houston (FDIC certificate #13960) is based in Houston, Missouri. Its Q2 2026 call report shows $67.4M in total assets and $51.2M in deposits and 2 offices.
The Bank of Houston has a TellerScore of 82 out of 100 (strong) based on Q2 2026 data — higher than 70% of its 546 banks with under $100 million in assets. Among 194 banks headquartered in Missouri, it ranks 38th. Problem-loan coverage contributes the most (98/100, 0.8%); funding & liquidity contributes the least (57/100, 104% loans-to-deposits, 7% uninsured).
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.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 20 points (62 → 82), mostly because the loan quality component improved by 47 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 75 |
| Q3 2024 | 77 |
| Q4 2024 | 68 |
| Q1 2025 | 71 |
| Q2 2025 | 62 |
| Q3 2025 | 70 |
| Q4 2025 | 70 |
| Q1 2026 | 87 |
| Q2 2026 | 82 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.38% |
| Q3 2024 | 12.28% |
| Q4 2024 | 12.37% |
| Q1 2025 | 13.46% |
| Q2 2025 | 13.43% |
| Q3 2025 | 13.73% |
| Q4 2025 | 14.00% |
| Q1 2026 | 14.31% |
| Q2 2026 | 14.14% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.18% |
| Q3 2024 | 0.00% |
| Q4 2024 | 1.01% |
| Q1 2025 | 0.98% |
| Q2 2025 | 1.57% |
| Q3 2025 | 1.12% |
| Q4 2025 | 1.06% |
| Q1 2026 | 0.33% |
| Q2 2026 | 0.16% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.97% |
| Q3 2024 | 0.89% |
| Q4 2024 | 0.97% |
| Q1 2025 | 0.81% |
| Q2 2025 | 0.49% |
| Q3 2025 | 0.66% |
| Q4 2025 | 0.60% |
| Q1 2026 | 1.77% |
| Q2 2026 | 1.07% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 82 | $67.4M | 14.14% | 0.16% | 1.07% | 103.6% |
| Q1 2026 | 87 | $64.5M | 14.31% | 0.33% | 1.77% | 102.5% |
| Q4 2025 | 70 | $63.4M | 14.00% | 1.06% | 0.60% | 100.3% |
| Q3 2025 | 70 | $66.2M | 13.73% | 1.12% | 0.66% | 96.8% |
| Q2 2025 | 62 | $64.2M | 13.43% | 1.57% | 0.49% | 103.9% |
| Q1 2025 | 71 | $64.4M | 13.46% | 0.98% | 0.81% | 96.4% |
| Q4 2024 | 68 | $67.6M | 12.37% | 1.01% | 0.97% | 103.2% |
| Q3 2024 | 77 | $68.7M | 12.28% | 0.00% | 0.89% | 104.2% |
| Q2 2024 | 75 | $66.6M | 12.38% | 0.18% | 0.97% | 104.7% |
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 Missouri
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| America's Community BankBank Blue Springs, MO | 57 out of 100, Moderate | $64.1M | 8.7% | 1.32% | vs |
| Community Bank of MemphisBank Memphis, MO | 85 out of 100, Very strong | $63.7M | 12.4% | 0.00% | vs |
| Montrose Savings BankBank Montrose, MO | 97 out of 100, Very strong | $63.2M | 14.5% | 0.13% | vs |
| First Security BankBank Union Star, MO | 65 out of 100, Moderate | $61.9M | 8.0% | 0.43% | vs |
| Bank of IberiaBank Iberia, MO | 68 out of 100, Moderate | $73.9M | 9.1% | 0.48% | vs |
| Sherwood Community BankBank Creighton, MO | 64 out of 100, Moderate | $77.9M | 9.0% | 1.30% | vs |
Deposit insurance
Is my money safe at The Bank of Houston?
Yes. The Bank of Houston is an FDIC-insured institution (FDIC certificate #13960). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 7.2% of deposits ($3.7M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 14.14%, 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%).
2 locations
Branches
The Bank of Houston lists 2 offices in 2 cities. Most locations:
- Houston, MO (1)
- Wildwood, MO (1)
Identity & history
Profile
- Legal name
- The Bank of Houston
- Type
- State-chartered bank
- FDIC certificate #
- 13960
- RSSD ID
- 848453
- Primary regulator
- FDIC
- Holding company
- Summit Bancshares Inc
- Established
- June 4, 1889
- Headquarters
- 404 S Grand Ave, Houston, MO 65483
- Website
- www.thebankofhouston.com
- Employees
- 24
Quick answers
The Bank of Houston: common questions
Is The Bank of Houston FDIC insured?
Yes. The Bank of Houston is an FDIC-insured institution (FDIC certificate #13960). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Bank of Houston's TellerScore?
82 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 The Bank of Houston ever failed?
There is no failure record for FDIC certificate #13960 in the FDIC failed bank list.
How many branches does The Bank of Houston have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Houston
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Town & Country BankBank Salem, MO | 86 out of 100, Very strong | $747.7M | 12.4% | 0.35% | vs |
| Peoples Community BankBank Greenville, MO | 83 out of 100, Strong | $735.2M | 18.5% | 1.23% | vs |
| Progressive Ozark BankBank Salem, MO | 77 out of 100, Strong | $190.9M | 9.8% | 0.03% | vs |
| Community First Banking CompanyBank West Plains, MO | 75 out of 100, Strong | $307.3M | 10.3% | 0.00% | vs |
| Stockmens BankBank Colorado Springs, CO | 75 out of 100, Strong | $650.8M | 10.6% | 0.18% | vs |
| Great Southern BankBank Reeds Spring, MO | 73 out of 100, Strong | $5.5B | 11.3% | 0.02% | vs |