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Texas Gulf Bank, National Association

Houston, TX · Cert 3206 · Peer group: banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=21) · Texas Gulf Bancshares Inc.

National charter · OCC · 9 branches

Q2 2026

$726.9MAssets
$507.6MLoans
$638.6MDeposits
$81.9MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 5 of 21).
  • Widest gap: total risk-based capital ratio trails 81% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 17 of 21).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.80%

Rank 14 of 21

Net Interest Margin

3.91%

Rank 13 of 21

Efficiency Ratio

77.33%

Rank 15 of 21

Equity / Assets

11.27%

Rank 12 of 21

Non-interest income vs. expense

$5.0M$25.7MINCOMEEXPENSE
Unfavorable gap of $20.7M · efficiency ratio beats 33% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area
Bank 77.33%Peer median 68.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.80%0.77%1.16%1.46%Beats 33%14 / 21
Return on Equity7.11%6.66%8.42%15.66%Beats 29%15 / 21
Net Interest Margin3.91%3.50%3.97%4.41%Beats 38%13 / 21
Efficiency Ratio77.33%59.33%68.18%79.00%Beats 33%15 / 21
Asset Quality
Nonperforming Loans / Loans0.00%0.01%0.37%1.25%Beats 100%5 / 21
Net Charge-Offs / Loans0.05%n/a0.01%0.05%Beats 29%16 / 21
Capital
Tier 1 Capital Ratio11.98%12.65%15.76%18.38%Beats 19%17 / 21
Total Risk-Based Capital Ratio11.98%12.65%16.68%19.63%Beats 19%17 / 21
Equity / Assets11.27%9.08%11.30%15.80%Beats 43%12 / 21
Liquidity & Funding
Loans / Deposits79.49%64.96%78.30%90.30%52nd pctl10 / 21
Loans / Assets69.83%55.83%65.86%74.20%57th pctl9 / 21
Brokered Deposits / Depositsn/aNot reported for this institution