BlastPoint's Banking Scorecard
The Bank of Houston
Designations: ✓ Community bank
Houston, MO
2 branches across MO
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 16 in MO.
- Deposits +6.9% year over year ($51.2M on the books).
- Delinquency rate 0.17%.
- Return on assets 1.07%.
- Efficiency ratio 78.56% vs a 119.40% peer average.
- Loan-to-deposit ratio 103.56% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Bank of Houston has 5 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.81% above tier average
- + Non-Interest Income / Assets 0.28% below tier average
- + ROA 0.07% above tier average
- + Efficiency Ratio 40.84% below tier average
- + Delinquency Rate 1.31% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 29.35% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$67.4M
+4.9% YoY
+4.5% QoQ
|
+$4.9M |
$62.4M
-0.0% YoY
|
$1.6B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
54% |
| Total Loans ? |
$53.0M
+6.5% YoY
+2.7% QoQ
|
+$18.1M |
$34.9M
-0.6% YoY
|
$1.0B
+10.0% YoY
|
$3.2B
+9.4% YoY
|
79% |
| Total Deposits ? |
$51.2M
+6.9% YoY
+1.6% QoQ
|
-$469K |
$51.6M
-0.2% YoY
|
$1.3B
+6.1% YoY
|
$4.9B
+7.3% YoY
|
47% |
| Return on Assets ? |
1.07%
+119.9% YoY
-39.6% QoQ
|
+0.07% |
1.00%
+3.5% YoY
|
1.46%
+5.9% YoY
|
1.30%
+12.1% YoY
|
54% |
| Net Interest Margin ? |
5.72%
+2.2% YoY
-0.0% QoQ
|
+1.81% |
3.91%
+2.3% YoY
|
4.55%
+0.7% YoY
|
3.95%
+4.9% YoY
|
Top 3.5% in tier |
| Efficiency Ratio ? |
78.56%
-3.8% YoY
+10.6% QoQ
|
-40.84% |
119.40%
+49.6% YoY
|
59.57%
-3.2% YoY
|
70.05%
+2.5% YoY
|
35% |
| Delinquency Rate ? |
0.17%
-89.8% YoY
-51.3% QoQ
|
-1.31% |
1.48%
+31.8% YoY
|
0.82%
+12.6% YoY
|
0.98%
+16.3% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
103.56%
-0.3% YoY
+1.0% QoQ
|
+29.35% |
74.21%
+12.6% YoY
|
80.82%
+1.6% YoY
|
79.03%
+2.3% YoY
|
Bottom 6.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
17.28%
-0.5% YoY
+8.1% QoQ
|
-6.20% |
23.49%
+0.6% YoY
|
20.71%
-0.5% YoY
|
21.98%
-0.6% YoY
|
31% |
| Nonperforming Asset Ratio ? |
0.13%
-89.7% YoY
-52.1% QoQ
|
-0.71% |
0.84%
+23.0% YoY
|
0.67%
+14.9% YoY
|
0.69%
+15.8% YoY
|
58% |
| Tier 1 Capital Ratio ? |
14.14%
+5.3% YoY
-1.2% QoQ
|
-12.99% |
27.13%
+3.0% YoY
|
15.38%
-1.1% YoY
|
17.09%
+0.8% YoY
|
41% |
| Non-Interest Income / Assets ? |
1.10%
+52.4% YoY
+20.4% QoQ
|
-0.28% |
1.38%
+6.3% YoY
|
0.58%
+5.8% YoY
|
0.66%
+5.2% YoY
|
Top 4.7% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
17.3%
-0.1pp YoY +1.3pp QoQ |
-7.4pp | 24.6% | 20.9% | 22.2% | 27% |
| Brokered Deposits |
8.8%
-0.7pp YoY -0.1pp QoQ |
-1.0pp | 9.8% | 7.4% | 8.5% | 62% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
30.9%
+4.6pp YoY -1.4pp QoQ |
+17.5pp | 13.4% | 12.3% | 12.5% | 91% |
| CRE | n/a | n/a | 25.2% | 36.8% | 41.4% | n/a |
| 1-4 Family |
4.9%
-1.7pp YoY -0.2pp QoQ |
-30.0pp | 35.0% | 31.9% | 31.3% | 14% |
| Consumer |
0.1%
-0.1pp YoY 0.0pp QoQ |
-7.5pp | 7.7% | 4.1% | 5.0% | 2% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 18.5% | 19.7% | n/a |
| Leverage Ratio |
14.1%
+0.7pp YoY -0.2pp QoQ |
-3.6pp | 17.7% | 11.6% | 12.6% | 64% |
| Total Capital Ratio | n/a | n/a | 39.7% | 19.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
24
-1 (-4.0%) YoY +3 (+14.3%) QoQ |
+12 | 12 | 162 | 482 | 94% |
| Assets per Employee ($) |
$2.8M
+9.3% YoY -8.6% QoQ |
-$3.4M | $6.2M | $8.0M | $8.8M | 7% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 10 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.3% | 0.4% | n/a |
| Nonaccrual |
0.2%
-1.5pp YoY -0.2pp QoQ |
-1.6pp | 1.7% | 0.8% | 1.0% | 19% |
| Allowance Coverage |
20.97x
+728.2% YoY +101.6% QoQ |
+14.56x | 6.41x | 10.47x | 20.23x | 93% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.3% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.4%
+3.8pp YoY -4.8pp QoQ |
+1.0pp | 6.4% | 14.3% | 11.6% | 46% |
| Cost of Funds (YTD) |
2.0%
-0.1pp YoY 0.0pp QoQ |
+0.6pp | 1.4% | 1.8% | 1.7% | 83% |
| Net Income ($, YTD) |
$348,000
+118.9% YoY — QoQ |
+$30K | $317,817 | $11.3M | $40.4M | 58% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.