Texas Gulf Bank, N.A.: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Texas Gulf Bank, N.A. is an FDIC-insured commercial bank, in the Houston metro region. Returns are in line with industry norms at 1.12% ROA and 9.94% ROE; net interest margin is 4.25%. Texas Gulf Bank's Q2 2026 balance sheet shows $727M in assets funded primarily by $639M in customer deposits. Under the simplified Community Bank Leverage Ratio framework, leverage of 11.98% exceeds the CBLR threshold. Asset quality is pristine, 0.05% NPLs and a 0.28% Texas Ratio. It operates 9 branches, primarily in Texas.
As of June 30, 2026, Texas Gulf Bank, N.A. reported a Tier 1 leverage ratio of 11.98%, a return on assets of 1.12%, a nonperforming-loan ratio of 0.05%, a Texas ratio of 0.28%, per financial data filed with the FFIEC.
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)
- Offices
- 9 domestic
- Employees (FTE)
- 122
- Domestic deposits
- $638.6M
- Allowance for credit losses
- $5.5M
- Net charge-offs (YTD)
- $217K
- 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
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. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
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 Texas Gulf Bank, N.A. terminal
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Unlock Texas Gulf 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.
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
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.
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. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.98% | 1.12% | 0.05% | 0.28% | 4.25% |
| Q1 2026 | 11.77% | 0.93% | 0.23% | 1.28% | 3.99% |
| Q4 2025 | 11.70% | 0.96% | 0.24% | 1.38% | 3.99% |
| Q3 2025 | 11.64% | 0.81% | 0.24% | 1.40% | 3.83% |
| Q2 2025 | 12.28% | 0.24% | 0.15% | 0.86% | 3.74% |
| Q1 2025 | 12.35% | 0.61% | 0.19% | 1.07% | 3.53% |
| Q4 2024 | 11.96% | 0.79% | 0.21% | 1.21% | 3.54% |
| Q3 2024 | 11.88% | 0.90% | 0.16% | 3.28% | 3.42% |
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 9 branches →
| 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
What the public regulatory sources show for Texas Gulf 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
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 158 of 447 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.
- 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.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Texas Gulf Bank, N.A. headquartered?
Texas Gulf 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 Texas Gulf Bank, N.A. founded?
Texas Gulf Bank, N.A. was established in 1913, per the FDIC institution directory.
Is Texas Gulf Bank, N.A. FDIC-insured?
Yes. Texas Gulf Bank, N.A. 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Texas Gulf Bank, N.A. operate?
Texas Gulf Bank, N.A. 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?
Texas Gulf Bank, N.A.'s Texas Ratio is 0.28% 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.
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.
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