Golden Bank, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 6.15 percentage points in Q2 2026, from 57.82% to 51.67%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Golden Bank, N.A. is 125th of 345 on return on assets, 1.69% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Golden Bank, N.A. sits 0.42 points higher, at 1.69% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.60% |
| Tier 1 risk-based capital ratio | 15.60% |
| Total risk-based capital ratio | 16.85% |
| Tier 1 leverage ratio | 13.74% |
| Equity capital to assets | 13.56% |
| Tangible equity to tangible assets | 13.53% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.50% |
| Non-performing assets ratio | 2.12% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 14.52% |
| Allowance for credit losses to loans | 1.29% |
| Reserve coverage of non-performing loans | 51.67% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.69% |
| Return on equity | 12.63% |
| Net interest margin | 3.82% |
| Efficiency ratio | 41.24% |
| Yield on earning assets | 6.52% |
| Cost of funds | 3.12% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 101.24% |
| Core deposits to total deposits | 66.26% |
| Brokered deposits to total deposits | 4.32% |
| Deposits to assets | 83.91% |
| Securities to assets | 2.70% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.39% | 14.39% | 15.58% | 13.39% | 1.73% |
| Q4 2023 | 14.41% | 14.41% | 15.62% | 13.14% | 1.83% |
| Q1 2024 | 14.44% | 14.44% | 15.66% | 12.90% | 1.47% |
| Q2 2024 | 14.39% | 14.39% | 15.59% | 12.76% | 1.51% |
| Q3 2024 | 14.94% | 14.94% | 16.16% | 12.78% | 1.65% |
| Q4 2024 | 14.75% | 14.75% | 15.97% | 12.99% | 1.80% |
| Q1 2025 | 14.83% | 14.83% | 16.06% | 12.98% | 1.46% |
| Q2 2025 | 15.13% | 15.13% | 16.38% | 12.75% | 1.57% |
| Q3 2025 | 15.08% | 15.08% | 16.33% | 12.75% | 1.75% |
| Q4 2025 | 15.11% | 15.11% | 16.36% | 13.37% | 1.52% |
| Q1 2026 | 15.25% | 15.25% | 16.50% | 13.43% | 1.48% |
| Q2 2026 | 15.60% | 15.60% | 16.85% | 13.74% | 1.69% |
Golden Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Golden Bank, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)