BanksGOLDEN BANK, NATIONAL ASSOCIATION

GOLDEN BANK, NATIONAL ASSOCIATION

HOUSTON, TXLargeEst. May 3, 1985, midnightFDIC #26223RSSD #536059OCC
Latest · 2025-12-31

GOLDEN BANK, NATIONAL ASSOCIATION is an 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%. CET1 capital ratio: 15.11%, well above regulatory minimums. NPL ratio: 1.89% · Texas Ratio: 11.26%. Operates 11 domestic branches.

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 Margin4.09%
Yield on Assets7.15%
Cost of Funds3.30%

Asset Quality

NPL Ratio1.89%
Net Charge-Off Ratio0.01%
Texas Ratio11.26%
NPA Ratio1.59%
ACL / Loans1.24%

Capital & Liquidity

CET1 Ratio15.11%
Tier 1 Capital15.11%
Total Capital Ratio16.36%
Leverage Ratio13.37%
Loan-to-Deposit100.09%

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