Houston, TX · Cert 3206 · Texas Gulf Bancshares Inc.
National charter · OCC · 9 branches
Q2 2026
Market Position · Houston-Pasadena-The Woodlands, TX · 2026 SOD (annual) · 0.2% share · #40 of 107 inst. · $0.6B of $360.4B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.49% | 0.53% | 0.49% | 0.34% | 0.45% | 0.53% | 0.74% | 0.81% | +47 bps | |
| Return on Equity | 4.58% | 4.93% | 4.33% | 3.00% | 3.93% | 4.68% | 6.55% | 7.18% | +418 bps | |
| Net Interest Margin | 2.99% | 3.07% | 3.35% | 3.44% | 3.48% | 3.53% | 3.77% | 3.91% | +47 bps | |
| Efficiency Ratio | 79.42% | 78.60% | 80.89% | 86.03% | 83.15% | 81.52% | 78.15% | 77.33% | -870 bps | |
| Non-Interest Burden | 2.26% | 2.29% | 2.60% | 2.87% | 2.79% | 2.76% | 2.80% | 2.86% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.99% | 1.31% | -1.53% | -2.22% | -3.67% | 3.22% | 5.47% | 5.29% | +751 bps | |
| Loan Growth (YoY) | 8.35% | 3.68% | 2.33% | -1.34% | 2.66% | 5.95% | 0.43% | 5.71% | +705 bps | |
| Deposit Growth (YoY) | 5.11% | 5.94% | -0.81% | -1.77% | -2.72% | 2.55% | 5.25% | 5.07% | +684 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.40% | 0.09% | 0.04% | 0.01% | 0.11% | 0.11% | 0.11% | 0.00% | -1 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.02% | 0.09% | 0.04% | 0.02% | 0.01% | 0.00% | 0.09% | +4 bps | |
| Allowance / Loans | 1.06% | 1.12% | 1.10% | 1.13% | 1.14% | 1.15% | 1.19% | 1.09% | -5 bps | |
| Allowance Coverage of NPLs | 2.6x | 12.2x | 24.7x | 99.1x | 10.7x | 10.9x | 10.9x | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.88% | 11.96% | 12.35% | 12.28% | 11.64% | 11.70% | 11.77% | 11.98% | -30 bps | |
| Total Risk-Based Capital | 11.88% | 11.96% | 12.35% | 12.28% | 11.64% | 11.70% | 11.77% | 11.98% | -30 bps | |
| Equity / Assets | 10.89% | 11.02% | 11.48% | 11.50% | 11.36% | 11.18% | 11.27% | 11.27% | -24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.42% | 76.58% | 79.55% | 79.01% | 80.65% | 79.12% | 75.91% | 79.49% | +48 bps | |
| Liquid Assets / Assets | 4.92% | 2.87% | 1.04% | 1.88% | 0.10% | 2.21% | 5.63% | 2.89% | +101 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 360% | 355% | 328% | n/a | n/a | |