Texas Gulf 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 1752.61 percentage points higher than in Q1 2026, at 2270.78%. Within Texas, Texas Gulf Bank, N.A. is 242nd of 345 on return on assets, 1.12% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Texas Gulf Bank, N.A. sits 0.13 points lower, at 1.12% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.98% |
| Equity capital to assets | 11.27% |
| Tangible equity to tangible assets | 11.15% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.05% |
| Non-performing assets ratio | 0.03% |
| Net charge-off ratio | 0.17% |
| Texas ratio | 0.28% |
| Allowance for credit losses to loans | 1.09% |
| Reserve coverage of non-performing loans | 2270.78% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.12% |
| Return on equity | 9.94% |
| Net interest margin | 4.25% |
| Efficiency ratio | 74.79% |
| Yield on earning assets | 5.69% |
| Cost of funds | 1.60% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.49% |
| Core deposits to total deposits | 94.13% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.85% |
| Securities to assets | 24.34% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.95% | 0.44% | 3.04% | 0.07% | 0.01% |
| Q4 2023 | 11.98% | 0.40% | 2.97% | 0.56% | 0.19% |
| Q1 2024 | 11.92% | 0.32% | 2.87% | 0.52% | 0.00% |
| Q2 2024 | 11.91% | 0.63% | 3.33% | 0.60% | 0.00% |
| Q3 2024 | 11.88% | 0.90% | 3.42% | 0.16% | 0.06% |
| Q4 2024 | 11.96% | 0.79% | 3.54% | 0.21% | 0.00% |
| Q1 2025 | 12.35% | 0.61% | 3.53% | 0.19% | 0.09% |
| Q2 2025 | 12.28% | 0.24% | 3.74% | 0.15% | -0.00% |
| Q3 2025 | 11.64% | 0.81% | 3.83% | 0.24% | -0.02% |
| Q4 2025 | 11.70% | 0.96% | 3.99% | 0.24% | -0.02% |
| Q1 2026 | 11.77% | 0.93% | 3.99% | 0.23% | 0.00% |
| Q2 2026 | 11.98% | 1.12% | 4.25% | 0.05% | 0.17% |
Texas Gulf Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Texas Gulf 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 Texas Gulf Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3206) · FFIEC NIC profile (RSSD 514655)