Golden Bank, N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 5.07 percentage points lower than in Q1 2026, at 65.78%. Among 346 Texas banks, Golden Bank, N.A. sits 12th from the top on loan-to-deposit ratio, 101.24% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Golden Bank, N.A. sits 13.04 points higher, at 101.24% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.93B |
| Net loans and leases | $1.91B |
| Loans held for sale | $0 |
| Loans to total assets | 84.95% |
| Loan-to-deposit ratio | 101.24% |
| Net loans to equity capital | 6.19% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 72.42% |
| Multifamily (5+ residential) | 3.88% |
| Commercial and industrial | 1.94% |
| Consumer | 0.05% |
| Credit cards | 0.00% |
| Farm | 0.12% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 326.58% |
| Construction concentration (Tier 1 capital + allowance) | 65.78% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $33.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.41B | $1.37B | 71.71% | 1.23% | 0.04% |
| Q4 2023 | $1.47B | $1.48B | 71.33% | 1.28% | 0.04% |
| Q1 2024 | $1.52B | $1.56B | 71.44% | 1.10% | 0.05% |
| Q2 2024 | $1.58B | $1.59B | 70.64% | 1.13% | 0.04% |
| Q3 2024 | $1.62B | $1.67B | 71.02% | 1.41% | 0.03% |
| Q4 2024 | $1.71B | $1.67B | 71.03% | 1.53% | 0.02% |
| Q1 2025 | $1.76B | $1.79B | 71.97% | 1.80% | 0.04% |
| Q2 2025 | $1.77B | $1.82B | 71.57% | 1.77% | 0.03% |
| Q3 2025 | $1.82B | $1.87B | 71.72% | 1.87% | 0.03% |
| Q4 2025 | $1.87B | $1.87B | 70.82% | 1.60% | 0.03% |
| Q1 2026 | $1.91B | $1.89B | 71.10% | 1.57% | 0.02% |
| Q2 2026 | $1.93B | $1.91B | 72.42% | 1.94% | 0.05% |
Golden Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Golden Bank, N.A., freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Golden Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26223) · FFIEC NIC profile (RSSD 536059)