Golden Bank, N.A.: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Golden Bank, N.A. is a community bank chartered in 1985, based in Houston, TX, during the Savings & Loan crisis era. As of Q2 2026, the bank held approximately $2.3B in total assets and $1.9B in deposits. Returns are notably above industry norms: 1.69% ROA, 12.63% ROE, and 3.82% NIM. Capital cushions are healthy: 15.60% CET1, 13.74% Tier 1 leverage. Asset quality merits closer attention with NPLs at 2.50%. Its footprint covers 11 branches concentrated in Texas.
As of June 30, 2026, Golden Bank, N.A. reported a CET1 capital ratio of 15.60%, a return on assets of 1.69%, a nonperforming-loan ratio of 2.50%, a Texas ratio of 14.52%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 9315 Bellaire Blvd, Houston, TX 77036
- 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
- —
- Call Report form
- FFIEC 041
- Established
- May 3, 1985
- Offices
- 11 domestic
- Employees (FTE)
- 149
- Domestic deposits
- $1.91B
- Allowance for credit losses
- $25.0M
- Net charge-offs (YTD)
- -$504K
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 3, 1985
- FDIC Cert
- 26223
- Fed RSSD
- 536059
- Website
- goldenbank-na.com →
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Golden Bank, N.A. terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Golden Bank, N.A., 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.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Golden Bank, N.A. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Golden Bank, N.A.: Efficiency ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.60% | 1.69% | 2.50% | 14.52% | 3.82% |
| Q1 2026 | 15.25% | 1.48% | 2.25% | 13.36% | 3.62% |
| Q4 2025 | 15.11% | 1.52% | 2.27% | 13.52% | 3.89% |
| Q3 2025 | 15.08% | 1.75% | 1.62% | 9.71% | 3.86% |
| Q2 2025 | 15.13% | 1.57% | 1.77% | 10.84% | 3.72% |
| Q1 2025 | 14.83% | 1.46% | 1.56% | 9.74% | 3.63% |
| Q4 2024 | 14.75% | 1.80% | 2.16% | 13.48% | 3.81% |
| Q3 2024 | 14.94% | 1.65% | 1.97% | 12.02% | 3.70% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 11 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Golden Bank, N.A. (main office) | Houston , TX | 77036 | $736.4M |
| Tustin Branch | Tustin , CA | 92782 | $168.8M |
| Sugar Land Branch | Sugar Land , TX | 77478 | $165.3M |
| Alhambra Branch | Alhambra , CA | 91801 | $161.0M |
| Richardson Branch | Richardson , TX | 75081 | $139.1M |
| Golden Bank, N.A. Cupertino Branch | Cupertino , CA | 95014 | $134.5M |
| Rowland Heights Branch | Rowland Heights , CA | 91748 | $96.1M |
| Legacy Branch | Plano , TX | 75023 | $94.9M |
| Harwin Branch | Houston , TX | 77036 | $93.6M |
| Millbrae Branch | Millbrae , CA | 94030 | $81.8M |
| Fremont Branch | Fremont , CA | 94539 | $39.6M |
Regulatory record
What the public regulatory sources show for Golden Bank, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 3 against the institution (OCC); 3 against individuals associated with it
- January 20, 2010, OCC: Formal Agreement: Golden Bank, National Association
- July 17, 2002, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Texas First National Bank
- January 28, 1991, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Texas First National Bank
- Period: Most recent institution action January 20, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 95 of 447 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows Golden Bank, N.A.’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare Golden Bank, N.A. with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about Golden Bank, N.A.
What are Golden Bank, N.A.'s total assets?
As of the Q2 2026 filing, Golden Bank, N.A. reported total assets of $2.28 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Golden Bank, N.A. headquartered?
Golden Bank, N.A. is headquartered in Houston, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Golden Bank, N.A. founded?
Golden Bank, N.A. was established in 1985, per the FDIC institution directory.
Is Golden Bank, N.A. FDIC-insured?
Yes. Golden Bank, N.A. is an FDIC-insured commercial bank (FDIC Certificate #26223). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Golden Bank, N.A.?
Golden Bank, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Golden Bank, N.A.'s CET1 capital ratio?
Golden Bank, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 15.60% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Golden Bank, N.A. operate?
Golden Bank, N.A. operates 11 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Golden Bank, N.A.'s Texas Ratio?
Golden Bank, N.A.'s Texas Ratio is 14.52% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
Go deeper on Golden Bank, N.A.
Unlock the full terminal: 25 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock Golden Bank, N.A., freeFree account