Golden Bank, N.A.
Golden Bank, N.A. is a community bank chartered in 1985, based in Houston, TX. As of Q1 2026, the bank held approximately $2.2B in total assets and $1.9B in deposits. Profitability is strong — 1.48% ROA, paired with 11.28% ROE and a 3.62% net interest margin. Capital is comfortably above regulatory minimums — CET1 ratio of 15.25% sits well above the 7% well-capitalized threshold. Credit conditions bear watching: 2.25% NPL ratio with a 13.36% Texas Ratio (elevated but below the 100% concern level). Its footprint covers 11 branches concentrated in Texas.
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
- Fed District
- 13
- Established
- May 3, 1985
- Branches
- 11 domestic
- Employees (FTE)
- 149
- FDIC Cert
- 26223
- Fed RSSD
- 536059
- Website
- goldenbank-na.com →
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Loans outstanding exceed total deposits — the bank is funding the gap with wholesale sources (FHLB advances, brokered deposits, repo) that are more rate-sensitive and can dry up in a stress scenario.
Golden Bank, N.A. rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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Frequently asked about Golden Bank, N.A.
What are Golden Bank, N.A.'s total assets?
As of the Q1 2026 filing, Golden Bank, N.A. reported total assets of $2.25 billion in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Golden Bank, N.A. headquartered?
Golden 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 Golden Bank, N.A. founded?
Golden Bank, N.A. was established in 1985, per the FDIC institution directory.
Is Golden Bank, N.A. FDIC-insured?
Yes. Golden Bank, N.A. 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Golden Bank, N.A.'s CET1 capital ratio?
Golden Bank, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 15.25% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Golden Bank, N.A. operate?
Golden Bank, N.A. operates 11 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Golden Bank, N.A.'s Texas Ratio?
Golden Bank, N.A.'s Texas Ratio is 13.36% — 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.
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