BanksTEXAS GULF BANK, NATIONAL ASSOCIATION

TEXAS GULF BANK, NATIONAL ASSOCIATION

HOUSTON, TXMediumEst. July 13, 1913, midnightFDIC #3206RSSD #514655OCC
Latest · 2025-12-31

TEXAS GULF BANK, NATIONAL ASSOCIATION is an FDIC-insured commercial bank headquartered in HOUSTON, TX, established in July 13, 1913, midnight. As of 2025-12-31, the bank reported total assets of $716M and total deposits of $629M. Profitability stands at 0.98% ROA and 8.68% ROE, with a net interest margin of 4.19%. CET1 capital ratio: 11.07%, well above regulatory minimums. NPL ratio: 0.11% · Texas Ratio: 0.62%. Operates 9 domestic branches.

Assets
$716M
Deposits
$629M
Loans
$498M
Equity
$80M

Profitability

Return on Assets (ROA)0.98%
Return on Equity (ROE)8.68%
Net Interest Margin4.19%
Yield on Assets5.92%
Cost of Funds1.81%

Asset Quality

NPL Ratio0.11%
Net Charge-Off Ratio0.01%
Texas Ratio0.62%
NPA Ratio0.07%
ACL / Loans1.15%

Capital & Liquidity

CET1 Ratio11.07%
Tier 1 Capital11.07%
Total Capital Ratio11.62%
Leverage Ratio11.70%
Loan-to-Deposit79.12%

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