Question 1

What is The Bank of Houston?

Accepted Answer

The Bank of Houston is a community bank headquartered in Houston, Missouri, serving Texas County and the St. Louis metropolitan area. Founded in 1889, the institution operates as a state-chartered commercial bank under FDIC supervision with two full-service branches.

The bank specializes in providing personalized banking services to individuals and small to medium-sized businesses, emphasizing local decision-making and relationship banking. As a subsidiary of Summit Bancshares Inc., The Bank of Houston maintains approximately $66 million in assets while preserving its community-focused approach.

Question 2

When was The Bank of Houston founded?

Accepted Answer

The Bank of Houston was established on June 4, 1889, in Houston, Missouri. The institution was founded to serve the banking needs of Texas County residents and local businesses during a period of rural Missouri's economic development.

For over 135 years, the bank has operated under its original name, maintaining continuous service to the Houston community. In 2019, The Bank of Houston was acquired by a local group of investors who have maintained the bank's community banking philosophy while modernizing its services and expanding its reach.

Question 3

Where is The Bank of Houston headquartered?

Accepted Answer

The Bank of Houston is headquartered at 404 South Grand Avenue in Houston, Missouri. The main office relocated to this address on May 22, 1973, where it continues to serve as the bank's primary location. Houston is a small community in Texas County in south-central Missouri.

Question 4

Where does The Bank of Houston operate?

Accepted Answer

The Bank of Houston operates two full-service branches, both located in Missouri. The original branch is in Houston, Texas County, serving the rural south-central Missouri community where the bank was founded.

In 2024, the bank significantly expanded its footprint by opening a second branch in Wildwood (Ballwin), Missouri, at 2675 Westglen Farms Drive. This expansion brought The Bank of Houston's community banking model to the St. Louis metropolitan area, a market the bank identified as oversaturated with large national banks lacking the personal touch of community banking.

Question 5

What services does The Bank of Houston offer?

Accepted Answer

The Bank of Houston provides a comprehensive suite of banking services for both personal and commercial customers. Personal banking products include checking accounts, savings accounts, money market accounts, certificates of deposit, individual retirement accounts (IRAs), and consumer loans.

The bank has developed robust commercial banking capabilities, including small business lending, commercial real estate financing, and Small Business Administration (SBA) loans. Notably, The Bank of Houston was named the #1 SBA lender in the St. Louis region by the St. Louis Business Journal for the second time since its 2019 acquisition.

Digital banking services include online banking accessible 24/7, a mobile banking app for iOS and Android devices, remote deposit capture for businesses, and voice-activated telephone banking. The bank offers advanced cash management solutions for businesses, including ACH origination and collection, same-day ACH processing, domestic and international wire transfers, ACH Positive Pay fraud prevention, lockbox services, remote deposit, and zero balance accounts.

Question 6

What makes The Bank of Houston unique?

Accepted Answer

The Bank of Houston distinguishes itself through its commitment to true community banking in an era dominated by large regional and national banks. The bank emphasizes direct access to decision-makers, eliminating the call center experience common at larger institutions. Customers can speak directly with bankers who know them personally and understand their specific financial needs.

The bank's success in SBA lending demonstrates its expertise in serving small and medium-sized businesses, a market segment often underserved by larger banks. The institution's 2024 expansion into the St. Louis metropolitan area was specifically designed to offer an alternative to the bureaucracy and impersonal service many customers experience at big banks.

With competitive deposit rates and flexible lending solutions, The Bank of Houston combines the sophistication of modern banking technology with the personal relationships and local decision-making authority that define community banking. The bank's tagline—"Unparalleled personal service, flexibility and speed"—reflects its operational philosophy of responsive, relationship-driven banking.

Question 7

What type of financial institution is The Bank of Houston?

Accepted Answer

The Bank of Houston is a state-chartered commercial bank that is a member of the Federal Deposit Insurance Corporation (FDIC). It is classified as a state charter and Fed nonmember bank, supervised by the FDIC under certificate number 13960.

As a community bank, The Bank of Houston focuses on serving the specific needs of its local markets rather than pursuing national scale. The institution operates as a subsidiary of Summit Bancshares Inc., a bank holding company that provides capital support while allowing the bank to maintain local operational autonomy. This structure enables The Bank of Houston to make lending and service decisions locally while benefiting from the financial strength and regulatory oversight of a holding company structure.

The Bank of Houston

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About The Bank of Houston in the United States