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2929 Kirby
Houston, TX 77098

The Bank of River Oaks is headquartered in Houston and is the 129th largest bank in the state of Texas. It is also the 1,587th largest bank in the nation. It was established in 2005 and as of June of 2014, it had grown to 43 employees at 3 locations. The Bank of River Oaks has a A health rating.

Reviews (1)

Service And Personal Attention

Bank of River Oaks is the best bank in Houston Texas. They run a tight ship and care about their customers.

They are not about "Bigger is Better", but  rather "Less is MORE" better describes their philosophy and that is why they can keep up the integrity and quality of their bank and service.


Data for Q2 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 The Bank of River Oaks had $613,000 in non-current loans and owned real-estate with $42.21 million in equity and loan loss allowances on hand to cover it. This gives The Bank of River Oaks a Texas Ratio of 1.45% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Deposit Growth


In the past year, The Bank of River Oaks has increased its total deposits by $83.51 million, resulting in 29.45% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth The Bank of River Oaks has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. The Bank of River Oaks has $422.54 million in assets with $42.21 million in equity, resulting in a capitalization level of 9.99%, which is above average.

Institution Statistics

FDIC Certificate #58142
Year Established2005
Primary RegulatorFDIC
Assets and Liabilities
Assets$422.54 million
Loans$264.36 million
Deposits$367.05 million
Equity Capital$40.16 million
Loan Loss Allowance$2.05 million
Unbacked Noncurrent Loans$366,000
Real Estate Owned$247,000
Historic Data - June 2013
Assets$323.09 million
Equity Capital$36.70 million
Loan Loss Allowance$2.20 million
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.69%
Return on Equity7.18%
Interest Income$7.62 million

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The Bank of River Oaks Locations
The Medical Center Branch2348 Holcombe Blvd.Houston, TX 77030
The Bank Of River Oaks2929 KirbyHouston, TX 77098
Riverway BranchFive Riverway, Suite 100a and 100bHouston, TX 77056