Golden Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Golden Bank, N.A. of Houston, TX against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.69% | 1.46% | +0.23% | 77th top |
| ROAE Behind the peer average, ahead of the median peer. | 12.63% | 12.72% | -0.09% | 52nd above |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.82% | 3.85% | -0.03% | 58th above |
| Efficiency Ratio | 41.24% | 57.42% | -16.18% | 92nd top |
| PPNR / Avg Assets | 2.26% | 1.88% | +0.38% | 80th top |
| Yield on Earning Assets | 6.52% | 5.72% | +0.80% | 89th top |
| Cost of Funds | 3.12% | 2.01% | +1.11% | 6th bottom |
| Net Interest Spread | 2.99% | 3.18% | -0.19% | 44th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.50% | 1.00% | +1.50% | 8th bottom |
| NPA / Total Assets | 2.12% | 0.76% | +1.36% | 7th bottom |
| NCO / Avg Loans | 0.02% | 0.43% | -0.41% | 56th above |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.29% | 1.31% | -0.02% | 69th above |
| ACL / NPLs (Coverage) | 51.67% | 543.80% | -492.13% | 10th bottom |
| Texas Ratio | 14.52% | 7.38% | +7.14% | 12th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.60% | 17.34% | -1.74% | 75th top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.60% | 17.37% | -1.77% | 75th top |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.85% | 18.42% | -1.57% | 76th top |
| Leverage Ratio | 13.74% | 11.43% | +2.31% | 89th top |
| Equity / Assets | 13.56% | 11.33% | +2.23% | 88th top |
| TCE / Tangible Assets | 13.53% | 10.50% | +3.03% | 90th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 101.24% | 86.94% | +14.30% | 14th bottom |
| Core Deposit Ratio | 66.26% | 85.57% | -19.31% | 6th bottom |
| Uninsured Deposit Ratio | 19.78% | 33.13% | -13.35% | 84th top |
| Wholesale Funding Ratio | 1.10% | 5.71% | -4.61% | 79th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.50% | 9.69% | -5.19% | 45th below |
| Loan Growth (Y/Y) | 9.04% | 8.05% | +0.99% | 70th above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.90% | 7.87% | -2.97% | 50th above |
See Golden Bank, N.A.'s peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Golden Bank, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Golden Bank, N.A. profile, how to read a UBPR, or how this data updates.