This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Houston, TX
Health score
61.5
Total assets
$38.5M
Answer first
Avana Bank leads on financial health and profitability; Houston Bank & Trust leads on capitalization. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
Avana Bank
Higher TFS health score
Capitalization
Houston Bank & Trust
Higher comparable capital ratio
Profitability
Avana Bank
Higher return on assets
Lending quality
Too close to call
Lower problem-loan measure
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | Avana Bank | Houston Bank & Trust |
|---|---|---|
| TFS health score | 74.1/100Leads | 61.5/100 |
| Total assets | $39.6M | $38.5M |
| Total deposits / shares | $30.6M | $2.6M |
| Tier 1 capital ratio | 17.52% | 93.01%Leads |
| Return on assets | -0.42%Leads | -53.11% |
| Return on equity | -1.91%Leads |
Avana Bank
3 branches
Houston Bank & Trust
0 branches
No shared branch states were found in the current TFS branch dataset.
Avana Bank
Unavailable
Houston Bank & Trust
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Avana Bank
0 in TFS registry
Houston Bank & Trust
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | Avana Bank score | Avana Bank ROA | Houston Bank & Trust score | Houston Bank & Trust ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 0.27% | — | — |
| 2024-Q4 | — | -0.22% | — | — |
| 2025-Q1 | — | -0.79% | — | — |
| 2025-Q2 | — | -1.01% | — | — |
| 2025-Q3 | — | -1.07% | — | — |
| 2025-Q4 | — | 0.19% | — | — |
| 2026-Q1 | 65.4/100 | -0.33% |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Every valid pair is viewable; pairs enter search automatically only when current data, comparability, and visitor interest meet the publication rules.
| -57.11% |
| Non-performing loans | 0.00% | 0.00% |
| Net charge-offs | 0.00% | 0.00% |
| Efficiency ratio | 105.50%Leads | 9840.95% |
| Loan-to-deposit ratio | 46.34% | 23.64% |
| Asset growth (YoY) | 3.19% | — |
| Deposit / share growth (YoY) | 3.18% | — |
| Branches | 3 | 0 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| — |
| — |
| 2026-Q2 | 74.1/100 | -0.42% | 61.5/100 | -53.11% |