GOLDEN BANK, NATIONAL ASSOCIATION

HOUSTON, TX | Large | Est. May 3, 1985, midnight | FDIC #26223 | RSSD #536059 | OCC
Latest Report: 2025-12-31

GOLDEN BANK, NATIONAL ASSOCIATION is aln large FDIC-insured commercial bank headquartered in HOUSTON, TX, established in May 3, 1985, midnight. As of 2025-12-31, the bank reported total assets of $2.2B and total deposits of $1.9B. Profitability stands at 1.50% ROA and 11.65% ROE, with a net interest margin of 4.09%. The bank's CET1 capital ratio is 15.11%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.89% and a Texas Ratio of 11.26%. FDIC Certificate #26223.

Assets

$2.2B

Deposits

$1.9B

Loans

$1.9B

Equity

$291M

Profitability

Return on Assets (ROA) 1.50%
Return on Equity (ROE) 11.65%
Net Interest Margin (NIM) 4.09%
Yield on Assets 7.15%
Cost of Funds 3.84%

Asset Quality

NPL Ratio 1.89%
Net Charge-Off Ratio 0.01%
Texas Ratio 11.26%
NPA Ratio 1.59%
ACL / Loans 1.24%

Capital & Liquidity

CET1 Ratio 15.11%
Tier 1 Capital 15.11%
Total Capital Ratio 16.36%
Leverage Ratio 13.37%
Loan-to-Deposit 100.09%

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