Golden Bank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Golden Bank, N.A. is an FDIC-insured commercial bank headquartered in Houston, TX, established in 1985 (FDIC certificate 26223), and it is supervised by the OCC. At Q2 2026 it reported total assets of $2.28B, up 4.5% from Q2 2025, the 49th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 15.60% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 26223
- Headquarters
- Houston, TX
- Established
- 1985
- Total assets, Q2 2026
- $2.28B
- Assets vs Q2 2025
- +4.5%
- CET1 ratio, Q2 2026
- 15.60%
- Domestic offices
- 11 FDIC institution directory, current count
- Routing number
- 113015500
- Latest call report
- Q2 2026, FFIEC 041 · Golden Bank, N.A. call report
- Asset rank in state
- 49th of 346 in Texas
Problem loans are rising at Golden Bank, N.A.. The Houston, Texas bank had $2.3 billion in assets at June 30, 2026, up 4.5% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.67% of loans from 1.14% a year earlier. It spends about 41 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 58 cents). On the other hand, it pays an average of 3.12% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 2.01%).
The non-owner-occupied commercial real estate book ($802 million) is worsening: 3.73% of it is past due or on nonaccrual, up from 2.61% a year earlier. Loans are outrunning deposits: over the year loans rose 9.0% and deposits rose 4.9%. Concentration is the risk to watch: it holds commercial real estate loans worth 3.3 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
As of June 30, 2026, Golden Bank, N.A. reported a CET1 capital ratio of 15.60%, a return on assets of 1.69%, a nonperforming-loan ratio of 2.16% and a Texas ratio of 9.67%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, Golden Bank, N.A. is the 49th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.3% to $2.28B, loans rose 1.2% and deposits rose 1.3%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 41.4% of total loans, followed by owner-occupied commercial real estate loans at 31.1%. The FDIC Summary of Deposits lists 11 offices for it, in 10 cities across 2 states; its Houston 2 offices book 43% of its branch deposits. On its Q2 2026 call report, Golden Bank, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 9315 Bellaire Blvd, Houston, TX 77036
- County
- Harris
- Metro Area
- Houston-Pasadena-The Woodlands, TX
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- May 3, 1985
- Domestic offices
- 11 FDIC institution directory, current count
- Employees (FTE)
- 149
- Domestic deposits
- $1.91B
- Allowance for credit losses
- $25.0M
- Net charge-offs (YTD)
- -$504K
- Average total assets
- $2.27B
- Average total loans
- $1.92B
- Average interest-bearing deposits
- $1.68B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 3, 1985
- FDIC Cert
- 26223
- Fed RSSD
- 536059
- Website
- goldenbank-na.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Golden Bank, N.A.'s total assets moved between a low of $1.65B (Q3 2023) and a high of $2.28B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.28B total assets against $2.18B; $1.97B total liabilities against $1.91B.
$1.91B net loans and leases against $1.75B; $1.91B total deposits against $1.82B.
$61.4M securities against $61.9M; $249.3M cash and balances due against $307.7M.
$36.3M total interest income against $36.5M; $15.0M total interest expense against $16.8M.
$21.2M net interest income against $19.7M.
$646K total noninterest income against $648K; $9.0M total noninterest expense against $8.4M.
$200K provision for credit losses against $740K.
$9.6M net income against $8.5M.
1.69% return on assets against 1.57%; 3.82% net interest margin against 3.72%.
15.60% CET1 capital ratio against 15.13%; 13.74% tier 1 leverage ratio against 12.75%.
Inside the full Golden Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Golden Bank, N.A. rankings
Its closest position to the top of a national ranking is 231 of 3,606, for efficiency ratio; its furthest is 820 of 980, for uninsured deposits.
Metric pages for Golden Bank, N.A.: Efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.46% (Q1 2025) to 1.80% (Q4 2024) and its net interest margin ran from 3.62% (Q1 2026) to 3.89% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.60% | 1.69% | 2.16% | 9.67% | 3.82% |
| Q1 2026 | 15.25% | 1.48% | 1.91% | 8.09% | 3.62% |
| Q4 2025 | 15.11% | 1.52% | 1.90% | 7.93% | 3.89% |
| Q3 2025 | 15.08% | 1.75% | 1.62% | 5.97% | 3.86% |
| Q2 2025 | 15.13% | 1.57% | 1.78% | 6.92% | 3.72% |
| Q1 2025 | 14.83% | 1.46% | 1.56% | 5.66% | 3.63% |
| Q4 2024 | 14.75% | 1.80% | 1.31% | 6.49% | 3.81% |
| Q3 2024 | 14.94% | 1.65% | 1.42% | 7.03% | 3.70% |
Swipe the table sideways to see every column.
Branch Network
View all 11 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Golden Bank, N.A. (main office) | Houston , TX | 77036 | $736.4M |
| Tustin Branch | Tustin , CA | 92782 | $168.8M |
| Sugar Land Branch | Sugar Land , TX | 77478 | $165.3M |
| Alhambra Branch | Alhambra , CA | 91801 | $161.0M |
| Richardson Branch | Richardson , TX | 75081 | $139.1M |
| Golden Bank, N.A. Cupertino Branch | Cupertino , CA | 95014 | $134.5M |
| Rowland Heights Branch | Rowland Heights , CA | 91748 | $96.1M |
| Legacy Branch | Plano , TX | 75023 | $94.9M |
| Harwin Branch | Houston , TX | 77036 | $93.6M |
| Millbrae Branch | Millbrae , CA | 94030 | $81.8M |
| Fremont Branch | Fremont , CA | 94539 | $39.6M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 3 against the institution (OCC); 3 against individuals associated with it
- January 20, 2010, OCC: Formal Agreement: Golden Bank, National Association
- July 17, 2002, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Texas First National Bank
- January 28, 1991, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Texas First National Bank
- Period: Most recent institution action January 20, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 95 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 4 loans, $2.2M approved, $555K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Golden Bank, N.A.
What are Golden Bank, N.A.'s total assets?
As of the Q2 2026 filing, Golden Bank, N.A. reported total assets of $2.28 billion in its FFIEC call report.
Where is Golden Bank, N.A. headquartered?
It is headquartered in Houston, TX, United States.
When was Golden Bank, N.A. founded?
It was established in 1985, per the FDIC institution directory.
Is Golden Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #26223). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Golden Bank, N.A.?
Golden Bank, N.A.'s primary federal regulator is the OCC.
What is Golden Bank, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.60% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Golden Bank, N.A. operate?
It operates 11 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Golden Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 9.67% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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