Golden Bank, National Association
Houston, TX · Cert 26223 · Peer group: banks $1B-$10B in assets operating regionally (n=176)
National charter · OCC · 11 branches
Q2 2026
$2.3BAssets
$1.9BLoans
$1.9BDeposits
$308.8MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 94% of banks $1B-$10B in assets operating regionally (rank 12 of 176).
- Widest gap: nonperforming loans / loans trails 94% of banks $1B-$10B in assets operating regionally (rank 166 of 176).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.57%
Rank 41 of 176
Net Interest Margin
3.64%
Rank 81 of 176
Efficiency Ratio
41.94%
Rank 12 of 176
Equity / Assets
13.56%
Rank 18 of 176
Non-interest income vs. expense
Unfavorable gap of $32.9M · efficiency ratio beats 94% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.57% | 0.93% | 1.26% | 1.54% | Beats 77% | 41 / 176 | |
| Return on Equity | 11.61% | 9.26% | 11.89% | 14.46% | Beats 47% | 93 / 176 | |
| Net Interest Margin | 3.64% | 3.25% | 3.59% | 3.93% | Beats 54% | 81 / 176 | |
| Efficiency Ratio | 41.94% | 52.79% | 59.55% | 67.66% | Beats 94% | 12 / 176 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.16% | 0.30% | 0.64% | 1.32% | Beats 6% | 166 / 176 | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.04% | 0.10% | Beats 82% | 32 / 176 | |
| Capital |
| Tier 1 Capital Ratio | 15.60% | 11.15% | 12.72% | 14.15% | Beats 87% | 23 / 176 | |
| Total Risk-Based Capital Ratio | 16.85% | 11.81% | 13.63% | 15.33% | Beats 88% | 21 / 176 | |
| Equity / Assets | 13.56% | 9.16% | 10.35% | 11.80% | Beats 90% | 18 / 176 | |
| Liquidity & Funding |
| Loans / Deposits | 101.24% | 80.94% | 89.73% | 97.21% | 88th pctl | 21 / 176 | |
| Loans / Assets | 84.95% | 69.25% | 75.12% | 80.82% | 92nd pctl | 14 / 176 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |