Bank Comparison
Texas Community Bank vs Golden Bank, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
15 · 8
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Texas Community Bank | Golden Bank, N.A. |
|---|---|---|
| CET1 Ratio | 25.30% | 15.25% |
| Tier 1 Capital Ratio | 25.30% | 15.25% |
| Total Capital Ratio | 26.57% | 16.50% |
| Tier 1 Leverage Ratio | 12.85% | 13.43% |
| Equity / Assets | 12.42% | 13.30% |
Profitability
| Metric | Texas Community Bank | Golden Bank, N.A. |
|---|---|---|
| Return on Assets (ROA) | 2.09% | 1.48% |
| Return on Equity (ROE) | 16.46% | 11.28% |
| Net Interest Margin (NIM) | 4.15% | 3.62% |
| Yield on Earning Assets | 5.45% | 6.36% |
| Cost of Funds | 1.41% | 3.17% |
Asset quality
| Metric | Texas Community Bank | Golden Bank, N.A. |
|---|---|---|
| Texas Ratio | 0.66% | 13.36% |
| Non-Performing Loan Ratio | 0.17% | 2.25% |
| Non-Performing Asset Ratio | 0.08% | 1.92% |
| Net Charge-Off Ratio | 0.02% | -0.12% |
| ACL / Loans | 2.03% | 1.30% |
Balance sheet
| Metric | Texas Community Bank | Golden Bank, N.A. |
|---|---|---|
| Total Assets | $2,240M | $2,248M |
| Total Deposits | $1,949M | $1,886M |
| Total Loans | $1,110M | $1,911M |
| Total Equity | $278,209K | $299,026K |
| Net Income (quarter) | $11,281K | $8,319K |
Liquidity & funding
| Metric | Texas Community Bank | Golden Bank, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 56.98% | 101.30% |
| Core Deposit Ratio | 77.10% | 71.94% |
| Uninsured Deposit Ratio | 64.33% | 21.42% |
Identity
| Metric | Texas Community Bank | Golden Bank, N.A. |
|---|---|---|
| Headquarters City | LAREDO | HOUSTON |
| Headquarters State | TX | TX |
| Asset Tier | Large | Large |
| Charter Class | 0 | 18558 |
| Regulator | FED | OCC |
| Domestic Branches | 11 | 11 |
| Employees (FTE) | 230 | 149 |
| Established | June 20, 1983, midnight | May 3, 1985, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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