BlastPoint's Banking Scorecard
The Bank of Houston
Micro
Specialty: Commercial
MO
FDIC cert 13960
Designations: ✓ Community bank
Houston, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
The Bank of Houston has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.69% above tier
- + Non-Interest Income / Assets 1.00% above tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 25.79% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$63.4M
-6.2% YoY
-4.2% QoQ
|
-$154.1M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
Bottom 11% in tier |
| Total Loans ? |
$49.8M
+0.1% YoY
+4.2% QoQ
|
-$89.4M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
20% |
| Total Deposits ? |
$49.7M
+3.0% YoY
+0.5% QoQ
|
-$134.0M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
Bottom 10% in tier |
| Return on Assets ? |
0.60%
-38.8% YoY
-10.1% QoQ
|
-0.49% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
22% |
| Net Interest Margin ? |
5.54%
-1.9% YoY
+0.6% QoQ
|
+1.69% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Top 4% in tier |
| Efficiency Ratio ? |
81.36%
+8.3% YoY
+0.4% QoQ
|
+13.63% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
19% |
| Delinquency Rate ? |
1.10%
+4.9% YoY
-5.6% QoQ
|
+0.46% |
0.64%
+24.4% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
27% |
| Loan-to-Deposit Ratio ? |
100.32%
-2.8% YoY
+3.7% QoQ
|
+25.79% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
16.30%
-8.9% YoY
+5.5% QoQ
|
-6.09% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
27% |
| Nonperforming Asset Ratio ? |
0.86%
+12.0% YoY
+2.7% QoQ
|
+0.41% |
0.45%
+25.1% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
23% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
1.56%
-32.5% YoY
+41.6% QoQ
|
+1.00% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
Top 4% in tier |
Signature Analysis
Strengths (2)
Net Interest Margin
metric
Top 4%
in Micro
Why this stands out
Current:
5.54%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest Income / Assets
metric
Top 4%
in Micro
Why this stands out
Current:
1.56%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 9%
in Micro
Why this stands out
Current:
100.32%
(Tier avg: 74.53%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
96
96th pctile
Non-Interest Income / Assets
Current: 1.56% · Tier avg: 0.56%
96
96th pctile
Net Interest Margin
Current: 5.54% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
27
27th pctile
Non-Interest-Bearing Deposit Share
Current: 16.30% · Tier avg: 22.39%
27
27th pctile
Delinquency Rate
Current: 1.10% · Tier avg: 0.64%
23
23th pctile
Nonperforming Asset Ratio
Current: 0.86% · Tier avg: 0.45%
22
22th pctile
Return on Assets
Current: 0.60% · Tier avg: 1.08%
20
20th pctile
Total Loans
Current: $49.8M · Tier avg: $139.2M
19
19th pctile
Efficiency Ratio
Current: 81.36% · Tier avg: 67.73%
11
11th pctile
Total Assets
Current: $63.4M · Tier avg: $217.5M
10
10th pctile
Total Deposits
Current: $49.7M · Tier avg: $183.7M
9
9th pctile
Loan-to-Deposit Ratio
Current: 100.32% · Tier avg: 74.53%
Top Weaknesses
9
9th pctile
Loan-to-Deposit Ratio
Current: 100.32% · Tier avg: 74.53%
10
10th pctile
Total Deposits
Current: $49.7M · Tier avg: $183.7M
11
11th pctile
Total Assets
Current: $63.4M · Tier avg: $217.5M
19
19th pctile
Efficiency Ratio
Current: 81.36% · Tier avg: 67.73%
20
20th pctile
Total Loans
Current: $49.8M · Tier avg: $139.2M
22
22th pctile
Return on Assets
Current: 0.60% · Tier avg: 1.08%
23
23th pctile
Nonperforming Asset Ratio
Current: 0.86% · Tier avg: 0.45%
27
27th pctile
Delinquency Rate
Current: 1.10% · Tier avg: 0.64%
27
27th pctile
Non-Interest-Bearing Deposit Share
Current: 16.30% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
96
96th pctile
Net Interest Margin
Current: 5.54% · Tier avg: 3.85%
96
96th pctile
Non-Interest Income / Assets
Current: 1.56% · Tier avg: 0.56%