BlastPoint's Banking Scorecard
The Bank of Houston
Designations: ✓ Community bank
Houston, MO
2 branches across MO
The Bank of Houston has 5 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.86% above tier average
- + Non-Interest Income / Assets 0.25% above tier average
- + ROA 0.94% above tier average
- + Efficiency Ratio 17.33% below tier average
- + Delinquency Rate 1.03% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 38.30% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$64.5M
+0.2% YoY
+1.8% QoQ
|
+$2.3M |
$62.2M
-0.6% YoY
|
$1.6B
+6.5% YoY
|
$6.2B
+9.1% YoY
|
51% |
| Total Loans ? |
$51.6M
+9.0% YoY
+3.6% QoQ
|
+$17.4M |
$34.2M
-1.4% YoY
|
$1.0B
+8.5% YoY
|
$3.2B
+10.8% YoY
|
79% |
| Total Deposits ? |
$50.3M
+2.6% YoY
+1.3% QoQ
|
-$1.4M |
$51.7M
-0.7% YoY
|
$1.3B
+6.1% YoY
|
$4.8B
+8.2% YoY
|
46% |
| Return on Assets ? |
1.77%
+119.6% YoY
+197.3% QoQ
|
+0.94% |
0.84%
-2.3% YoY
|
1.43%
+10.8% YoY
|
1.23%
+13.4% YoY
|
Top 14.6% in tier |
| Net Interest Margin ? |
5.72%
-0.5% YoY
+3.3% QoQ
|
+1.86% |
3.86%
+2.8% YoY
|
4.51%
+2.1% YoY
|
3.89%
+5.7% YoY
|
Top 3.3% in tier |
| Efficiency Ratio ? |
71.01%
-7.4% YoY
-12.7% QoQ
|
-17.33% |
88.34%
+0.3% YoY
|
59.97%
-5.2% YoY
|
66.95%
-4.1% YoY
|
51% |
| Delinquency Rate ? |
0.34%
-66.7% YoY
-68.9% QoQ
|
-1.03% |
1.37%
+33.8% YoY
|
0.83%
+18.3% YoY
|
0.95%
+18.8% YoY
|
52% |
| Loan-to-Deposit Ratio ? |
102.51%
+6.3% YoY
+2.2% QoQ
|
+38.30% |
64.22%
-0.7% YoY
|
79.48%
+1.6% YoY
|
76.70%
+0.9% YoY
|
Bottom 5.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.99%
-7.5% YoY
-1.9% QoQ
|
-7.72% |
23.71%
+0.3% YoY
|
20.72%
+0.3% YoY
|
22.01%
-1.2% YoY
|
27% |
| Nonperforming Asset Ratio ? |
0.27%
-63.8% YoY
-68.4% QoQ
|
-0.52% |
0.79%
+28.2% YoY
|
0.67%
+20.5% YoY
|
0.67%
+19.3% YoY
|
48% |
| Tier 1 Capital Ratio ? |
14.31%
+6.4% YoY
+2.2% QoQ
|
-12.37% |
26.68%
+2.0% YoY
|
15.44%
-0.4% YoY
|
17.06%
+0.8% YoY
|
42% |
| Non-Interest Income / Assets ? |
0.91%
+80.1% YoY
-41.4% QoQ
|
+0.25% |
0.67%
+1.9% YoY
|
0.29%
+5.6% YoY
|
0.32%
+4.1% YoY
|
Top 4.3% in tier |
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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.
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Metric Rankings
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