Updated April 2026 · FDIC Call Report Q2 2024
Banks in Houston, Texas
14 FDIC-insured banks call Houston home, with $22.3B in combined assets. The local cohort posts an average Bank Health Score of 70/100 against a Tier 1 capital ratio of 12.82% and an NPL ratio of 0.90%.
Houston, Texas hosts 14 FDIC-insured banks headquartered locally, with an average BankHealth composite score of 70/100. The largest local bank by assets is Wells Fargo Bank S Cntl NA. City-level banking concentration reflects historical headquarters geography. Many U.S. cities host community banks chartered specifically for local commercial-lending needs, alongside branch operations of national banks that don't appear in the headquartered-here count.
For local depositors, the BankHealth grade is most useful as a triage signal across the locally-headquartered options. Branch-only banks (headquartered elsewhere) appear on the per-bank pages of their parent institution rather than on this city page.
Houston's Banking Market
Houston hosts 14 FDIC-insured banks — a sizable banking presence for a U.S. metro. The mix usually combines locally headquartered community banks with branches or subsidiaries of larger regional institutions, giving residents real choice across the size spectrum.
Banks in Houston post an average Bank Health Score of 70/100 — solidly healthy in B territory, broadly in line with the national average for U.S. banks. 14% earn A grades; 0% land in D or F territory. Most local depositors will find any of the top-graded local banks a sound choice on paper.
Local risk indicators look benign: the average Houston bank posts 12.82% Tier 1 capital and a 0.90% NPL ratio. Both readings are consistent with conservatively run institutions; quarter-to-quarter movement is worth monitoring on individual bank pages.
Houston Banking Snapshot
| Banks headquartered or chartered locally | 14 |
| Combined assets | $22.3B |
| Average Bank Health Score | 70/100 |
| Average Tier 1 capital ratio | 12.82% |
| Average NPL ratio | 0.90% |
| Average liquidity ratio | 33.51% |
| Grade distribution (A · B · C · D · F) | 2 · 8 · 4 · 0 · 0 |
All Banks in Houston
| # | Bank | Grade | Score | Assets | Tier 1 Capital | NPL Ratio | Liquidity |
|---|---|---|---|---|---|---|---|
| 1 | Wells Fargo Bank S Cntl NA | A | 89 | $3.8B | 53.33% | 1.39% | 37.44% |
| 2 | Unity Nb of Houston | A | 82 | $227M | 15.79% | 3.08% | 42.68% |
| 3 | Southwestern National Bank | B | 79 | $1.2B | 13.63% | 0.10% | 16.25% |
| 4 | Stellar Bank | B | 78 | $10.7B | 13.08% | 0.66% | 19.76% |
| 5 | Global One Bank | B | 76 | $165M | 19.02% | 0.00% | 11.41% |
| 6 | Golden Bank National Assn | B | 74 | $1.9B | 14.39% | 1.49% | 14.75% |
| 7 | Lone Star Bank | B | 74 | $162M | 16.89% | 0.37% | 10.96% |
| 8 | American First National Bank | B | 70 | $2.7B | 13.89% | 1.34% | 11.38% |
| 9 | Gulf Capital Bank | B | 69 | $546M | 19.43% | 3.69% | 56.96% |
| 10 | Legacy Trust Co N A | B | 65 | $34M | 0.00% | 0.00% | 74.72% |
| 11 | Hightower Trust Co NA | C | 64 | $18M | 0.00% | 0.00% | 91.11% |
| 12 | Texas Gulf Bank NA | C | 55 | $706M | 0.00% | 0.48% | 29.10% |
| 13 | Chasewood Bank | C | 54 | $88M | 0.00% | 0.00% | 23.58% |
| 14 | Agility Bank National Assn | C | 54 | $83M | 0.00% | 0.02% | 29.08% |
For Houston Depositors
FDIC insurance protects deposits at every bank on this list up to $250,000 per depositor, per insured bank, per ownership category — identical coverage regardless of where the bank is located or how it scores on this page. The Bank Health Score is a relative ranking of regulatory cushion, not a guarantee of safety. Confirm your bank's FDIC status and your specific coverage at FDIC.gov before making decisions.
For depositors who hold combined balances above $250,000 across multiple accounts at a single bank, the FDIC's Electronic Deposit Insurance Estimator (EDIE) calculates exactly which dollars are insured. Account titling — joint, individual, retirement — affects coverage. Federal regulators publishing rules at the OCC and the FDIC update guidance periodically; FDIC.gov is the authoritative source.
How These Scores Are Calculated
Every bank on this page earns a Bank Health Score from four FDIC Call Report inputs: Tier 1 capital ratio (35%), NPL ratio inverted (30%), liquidity ratio (25%), and return on assets (10%). The composite is reported as a 0–100 score and an A–F letter grade. Data flows from the FDIC BankFind API and the FFIEC Call Report archive. Read the full methodology.
Frequently Asked Questions
How many banks are in Houston?
14 FDIC-insured banks are chartered or headquartered in Houston, Texas, holding $22.3B in combined assets. Houston hosts 14 FDIC-insured banks — a sizable banking presence for a U.S. metro. The mix usually combines locally headquartered community banks with branches or subsidiaries of larger regional institutions, giving residents real choice across the size spectrum.
What is the average bank health score in Houston?
Banks in Houston post an average Bank Health Score of 70/100 — solidly healthy in B territory, broadly in line with the national average for U.S. banks. 14% earn A grades; 0% land in D or F territory. Most local depositors will find any of the top-graded local banks a sound choice on paper. The local cohort averages a Tier 1 capital ratio of 12.82% and an NPL ratio of 0.90%.
Are banks in Houston riskier than the national average?
Local risk indicators look benign: the average Houston bank posts 12.82% Tier 1 capital and a 0.90% NPL ratio. Both readings are consistent with conservatively run institutions; quarter-to-quarter movement is worth monitoring on individual bank pages.
Are deposits at Houston banks FDIC-insured?
Every bank on this page is FDIC-insured, which protects deposits up to $250,000 per depositor, per insured bank, per ownership category. Insurance is identical regardless of bank size or location. Verify your specific coverage at FDIC.gov, particularly if you hold balances above the $250,000 limit.
Where does this data come from?
All bank financials on this page are pulled from the FDIC BankFind API, which sources directly from quarterly Call Reports filed with the FFIEC. Health Scores are computed from a transparent four-factor formula (Tier 1 capital 35%, NPL ratio 30%, liquidity 25%, ROA 10%). All data is U.S. government public domain.
Sources: FDIC BankFind API ( banks.data.fdic.gov); FFIEC Call Reports ( cdr.ffiec.gov/public); OCC ( occ.gov). Public domain.
Last updated 2026-04-06 · Data covers 14 Houston banks. Informational only; not investment advice. Verify FDIC insurance directly at FDIC.gov.