TEXAS GULF BANK, NATIONAL ASSOCIATION
TEXAS GULF BANK, NATIONAL ASSOCIATION is an FDIC-insured commercial bank headquartered in HOUSTON, TX, established in 1913. As of , 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 3.89%. CET1 capital ratio: 11.07%, well above regulatory minimums. NPL ratio: 0.24% · Texas Ratio: 1.37%. Operates 9 domestic branches.
Capital & Liquidity
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Texas Gulf Bank, N.A. rankings
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Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 11.07% | 0.98% | 0.24% | 1.37% | 3.89% |
| 2025-09-30 | 11.24% | 0.84% | 0.24% | 1.38% | 3.74% |
| 2025-06-30 | 11.37% | 0.25% | 0.15% | 0.85% | 3.64% |
| 2025-03-31 | 11.35% | 0.62% | 0.19% | 1.06% | 3.44% |
| 2024-12-31 | 10.89% | 0.81% | 0.21% | 1.20% | 3.46% |
| 2024-09-30 | 10.76% | 0.90% | 0.16% | 0.92% | 3.33% |
| 2024-06-30 | 10.34% | 0.63% | 0.60% | 3.67% | 3.24% |
| 2024-03-31 | 10.51% | 0.33% | 0.52% | 3.09% | 2.80% |
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Frequently asked about TEXAS GULF BANK, NATIONAL ASSOCIATION
What are Texas Gulf Bank, N.A.'s total assets?
As of the Q4 2025 filing, Texas Gulf Bank, N.A. reported total assets of $716.1 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Texas Gulf Bank, N.A. headquartered?
Texas Gulf Bank, N.A. is headquartered in HOUSTON, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Texas Gulf Bank, N.A. founded?
Texas Gulf Bank, N.A. was established in 1913, per the FDIC institution directory.
Is Texas Gulf Bank, N.A. FDIC-insured?
Yes. Texas Gulf Bank, N.A. is an FDIC-insured commercial bank (FDIC Certificate #3206). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Texas Gulf Bank, N.A.?
Texas Gulf Bank, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Texas Gulf Bank, N.A.'s CET1 capital ratio?
Texas Gulf Bank, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 11.07% in its most recent quarterly filing — above regulatory minimums.
How many branches does Texas Gulf Bank, N.A. operate?
Texas Gulf Bank, N.A. operates 9 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Texas Gulf Bank, N.A.'s Texas Ratio?
Texas Gulf Bank, N.A.'s Texas Ratio is 1.37% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.