The Bank of Houston
The Bank of Houston is a Missouri-based community bank serving the Houston area with personalized banking services, local decision-making, and commitment to community development since its founding.
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Data source: SBA 7(a) FOIA loan-level data, covering activity through June 30, 2026 across the trailing 3 years (34 loan records for this lender). Refreshed quarterly from public loan-level records; figures are not supplied or reviewed by the lender.
The Bank of Houston ranks #79 of 564 SBA 7(a) lenders nationally by acquisition-loan volume.
Most of The Bank of Houston’s 7(a) acquisition lending falls in the $0-$500K range: 13 loans, 38.2% of the portfolio.
| Loan size | Share of loans | Loans | % of portfolio |
|---|---|---|---|
| $0-$500K | 13 | 38.2% | |
| $500K-$1M | 12 | 35.3% | |
| $1M-$2M | 5 | 14.7% | |
| $2M-$3M | 3 | 8.8% | |
| $4M-$5M | 1 | 2.9% |
Industries with highest loan volume
Full-Service Restaurants
4
loans
$639K
avg. amount
General Automotive Repair
2
loans
$465K
avg. amount
Plumbing, Heating, and Air-Conditioning Contractors
1
loans
$883K
avg. amount
Convenience Retailers
1
loans
$410K
avg. amount
All Other Personal Services
1
loans
$1.3M
avg. amount
Retail Bakeries
1
loans
$180K
avg. amount
Services for the Elderly and Persons with Disabilities
1
loans
$1.1M
avg. amount
Furniture Retailers
1
loans
$1.7M
avg. amount
Drywall and Insulation Contractors
1
loans
$2.0M
avg. amount
Other Waste Collection
1
loans
$600K
avg. amount
10-Year
0.0%
Percentile Ranking
0th percentile
The Bank of Houston’s median variable rate is + 2.50%, against a market median of Prime + 1.88%, 63 above market.
It priced below the market median in 0 of the last 5 quarters.
| Loan Size | Avg Rate |
|---|---|
| $0-$500K | Prime + 2.75% |
| $500K-$1M | Prime + 2.56% |
| $1M-$2M | Prime + 2.35% |
| $2M-$3M | Prime + 2.25% |
| $4M-$5M | Prime + 1.50% |
| Quarter | This lender | Market median | Market range | Loans |
|---|---|---|---|---|
| Q2 '22 | Prime + 2.50% | Prime + 2.00% | Prime + 1.50% – Prime + 2.50% | 3 |
| Q2 '23 | Prime + 2.75% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 3 |
| Q1 '25 | Prime + 2.50% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 3 |
| Q4 '25 | Prime + 2.50% | Prime + 2.25% | Prime + 1.67% – Prime + 2.75% | 3 |
| Q1 '26 | Prime + 2.50% | Prime + 2.00% | Prime + 1.50% – Prime + 2.50% | 5 |
The Bank of Houston has originated 7(a) acquisition loans in 4 states, most actively in Missouri (29), Illinois (3) and Tennessee (1). Darker states on the map carry more volume.
| State | Loans | % of Total |
|---|---|---|
| Missouri | 29 | 85.3% |
| Illinois | 3 | 8.8% |
| Tennessee | 1 | 2.9% |
| Kentucky | 1 | 2.9% |
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