Texas Gulf Bank, N.A.
BankRegReports is independent of Texas Gulf Bank, N.A. and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Texas Gulf Bank, N.A. is an FDIC-insured commercial bank headquartered in Houston, TX, established in 1913 (FDIC certificate 3206), and it is supervised by the OCC. At Q2 2026 it reported total assets of $726.9M, up 5.3% from Q2 2025, the 120th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.98% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3206
- Headquarters
- Houston, TX
- Established
- 1913
- Total assets, Q2 2026
- $726.9M
- Assets vs Q2 2025
- +5.3%
- Tier 1 leverage ratio, Q2 2026
- 11.98%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 113115484
- Latest call report
- Q2 2026, FFIEC 051 · Texas Gulf Bank, N.A. call report
- Holding company
- TEXAS GULF BANCSHARES, INC.
- Asset rank in state
- 120th of 346 in Texas
Texas Gulf Bank, N.A., based in Houston, Texas, reported $727 million in assets at June 30, 2026, up 5.3% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 2.6%). On the other hand, it spends about 75 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
The non-owner-occupied commercial real estate book ($88 million) is worsening: 0.72% of it is past due or on nonaccrual, up from 0.10% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.1 times its capital, higher than about three-quarters of banks its size (median 1.2 times).
As of June 30, 2026, Texas Gulf Bank, N.A. reported a return on assets of 1.12%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Texas Gulf Bank, N.A. ranks as the 120th largest of the 346 banks based in Texas, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.7% to $726.9M, loans rose 5.4% and deposits rose 0.6%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 28.9% of total loans, followed by owner-occupied commercial real estate loans at 20.7%. The FDIC Summary of Deposits lists 9 offices for it, in 7 cities in TX; its Houston 3 offices book 37% of its branch deposits. Judged on its Q2 2026 call report, Texas Gulf Bank, N.A. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1626 S Voss Rd, Houston, TX 77057
- 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- July 13, 1913
- Former names
- First Freeport National Bank (1973-1990); The First Freeport National Bank (1963-1973)
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 122
- Domestic deposits
- $638.6M
- Allowance for credit losses
- $5.5M
- Net charge-offs (YTD)
- $217K
- Average total assets
- $724.7M
- Average total loans
- $501.3M
- Average interest-bearing deposits
- $465.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3206
- Fed RSSD
- 514655
- Website
- www.texasgulfbank.com →
- Parent Holding Company
- TEXAS GULF BANCSHARES, INC. (RSSD 1101726)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Texas Gulf Bank, N.A. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Texas Gulf Bank, N.A.'s total assets ranged from $681.0M (Q3 2023) to $726.9M (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
$726.9M total assets against $690.4M; $645.0M total liabilities against $611.0M.
$502.1M net loans and leases against $474.7M; $638.6M total deposits against $607.8M.
$176.9M securities against $176.4M; $27.7M cash and balances due against $22.3M.
$9.8M total interest income against $9.2M; $2.5M total interest expense against $2.9M.
$7.3M net interest income against $6.3M.
$1.3M total noninterest income against $1.0M; $6.6M total noninterest expense against $6.6M.
-$20K provision for credit losses against $242K.
$2.0M net income against $425K.
1.12% return on assets against 0.24%; 4.25% net interest margin against 3.74%.
11.98% tier 1 leverage ratio against 12.28%.
Inside the full Texas Gulf 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.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Texas Gulf Bank, N.A. rankings
Its closest position to the top of a national ranking is 1,335 of 4,196, for total assets; its furthest is 3,384 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.24% (Q2 2025) to 1.12% (Q2 2026) and its net interest margin ran from 3.42% (Q3 2024) to 4.25% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.98% | 1.12% | 0.00% | 0.00% | 4.25% |
| Q1 2026 | 11.77% | 0.93% | 0.11% | 0.61% | 3.99% |
| Q4 2025 | 11.70% | 0.96% | 0.11% | 0.62% | 3.99% |
| Q3 2025 | 11.64% | 0.81% | 0.11% | 0.63% | 3.83% |
| Q2 2025 | 12.28% | 0.24% | 0.01% | 0.07% | 3.74% |
| Q1 2025 | 12.35% | 0.61% | 0.04% | 0.26% | 3.53% |
| Q4 2024 | 11.96% | 0.79% | 0.09% | 0.53% | 3.54% |
| Q3 2024 | 11.88% | 0.90% | 0.40% | 2.35% | 3.42% |
Swipe the table sideways to see every column.
Branch Network
View all 9 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 |
|---|---|---|---|
| Lake Jackson Branch | Lake Jackson , TX | 77566 | $109.9M |
| Texas Gulf Bank, N.A. (main office) | Houston , TX | 77057 | $97.5M |
| Angleton Branch | Angleton , TX | 77515 | $92.1M |
| Citycentre Branch | Houston , TX | 77024 | $91.6M |
| Clute Branch | Clute , TX | 77531 | $84.9M |
| Friendswood Branch | Friendswood , TX | 77546 | $56.0M |
| Freeport Branch | Freeport , TX | 77541 | $54.3M |
| Texas Gulf Bank, N.A. - Houston Branch | Houston , TX | 77019 | $45.6M |
| West Columbia | West Columbia , TX | 77486 | $6.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 24, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 21, 1990 | Structure Change | Acquired Alvin National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 158 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 56 applications, 43 loans originated, $28.7M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $235K approved, $235K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Texas Gulf Bank, N.A.’s latest filed figures and updates each quarter.
Similar banks
Compare Texas Gulf Bank, N.A. with peers
Frequently asked about Texas Gulf Bank, N.A.
What are Texas Gulf Bank, N.A.'s total assets?
As of the Q2 2026 filing, Texas Gulf Bank, N.A. reported total assets of $726.9 million in its FFIEC call report.
Where is Texas Gulf Bank, N.A. headquartered?
It is headquartered in Houston, TX, United States.
When was Texas Gulf Bank, N.A. founded?
It was established in 1913, per the FDIC institution directory.
Is Texas Gulf Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3206). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Texas Gulf Bank, N.A.?
Texas Gulf Bank, N.A.'s primary federal regulator is the OCC.
How many branches does Texas Gulf Bank, N.A. operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Texas Gulf Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 0.00% 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.
What was Texas Gulf Bank, N.A. previously called?
The charter now named Texas Gulf Bank, N.A. has also operated as First Freeport National Bank (1973-1990), The First Freeport National Bank (1963-1973), per FDIC structure-change records.
Go deeper on Texas Gulf Bank, N.A.
Get an email when Texas Gulf Bank, N.A. files its next call report, and benchmark it against any peer you choose.
Unlock Texas Gulf Bank, N.A., freeFree account