TellerScore

Golden Bank, National Association (FDIC certificate #26223) is based in Houston, Texas. Its Q2 2026 call report shows $2.3B in total assets and $1.9B in deposits and 11 offices across 2 states.

Golden Bank, National Association has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 40% of its 897 banks with $1 billion – $10 billion. Among 349 banks headquartered in Texas, it ranks 257th. Capital cushion contributes the most (87/100, 13.74%); loan quality contributes the least (28/100, 2.16%).

TellerScore · Q2 2026

Scorecard

Capital cushion87/100
Tier 1 leverage ratio: 13.74%
Loan quality28/100
Noncurrent loans ÷ total loans: 2.16%
Earnings84/100
Return on assets (annualized): 1.59%
Funding & liquidity55/100
Loans ÷ deposits and uninsured-deposit share: 99.9% · 19.8% uninsured
Problem-loan coverage75/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 12.52%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (66 → 66).

TellerScore
666870Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202467
Q3 202468
Q4 202470
Q1 202567
Q2 202566
Q3 202568
Q4 202567
Q1 202666
Q2 202666
Tier 1 leverage ratio
5.00%9.37%13.74%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.76%
Q3 202412.78%
Q4 202412.99%
Q1 202512.98%
Q2 202512.75%
Q3 202512.75%
Q4 202513.37%
Q1 202613.43%
Q2 202613.74%
Noncurrent loans
1.31%1.74%2.16%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.49%
Q3 20241.42%
Q4 20241.31%
Q1 20251.56%
Q2 20251.78%
Q3 20251.62%
Q4 20251.90%
Q1 20261.91%
Q2 20262.16%
Return on assets
1.45%1.54%1.62%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.50%
Q3 20241.55%
Q4 20241.62%
Q1 20251.45%
Q2 20251.52%
Q3 20251.61%
Q4 20251.58%
Q1 20261.49%
Q2 20261.59%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$2.3B13.74%2.16%1.59%99.9%
Q1 202666$2.2B13.43%1.91%1.49%100.0%
Q4 202567$2.2B13.37%1.90%1.58%98.8%
Q3 202568$2.2B12.75%1.62%1.61%96.4%
Q2 202566$2.2B12.75%1.78%1.52%96.3%
Q1 202567$2.1B12.98%1.56%1.45%97.6%
Q4 202470$2.0B12.99%1.31%1.62%101.1%
Q3 202468$2.0B12.78%1.42%1.55%95.6%
Q2 202467$1.9B12.76%1.49%1.50%98.5%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.74%
89th
Total risk-based capital16.85%
82nd
Problem loans2.16%
7th
Net charge-offs-0.05%
98th
Return on assets1.59%
73rd
Net interest margin3.77%
54th
Efficiency ratio41.9%
90th
Loans to deposits99.9%
14th
Uninsured deposits19.8%
83rd
Loan-loss reserves1.29%
69th
Texas ratio12.5%
10th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Falcon International BankBank Laredo, TX85 out of 100, Very strong$2.2B13.4%0.00%vs
Texas First BankBank Texas City, TX75 out of 100, Strong$2.3B10.0%0.17%vs
Texas Community BankBank Laredo, TX84 out of 100, Strong$2.2B12.8%0.20%vs
Citizens National Bank of TexasBank Waxahachie, TX70 out of 100, Strong$2.2B12.2%1.42%vs
Security State Bank & TrustBank Fredericksburg, TX66 out of 100, Moderate$2.2B12.6%2.22%vs
First United BankBank Dimmitt, TX77 out of 100, Strong$2.4B11.2%0.41%vs

Deposit insurance

Is my money safe at Golden Bank, National Association?

Yes. Golden Bank, National Association is an FDIC-insured institution (FDIC certificate #26223). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 19.8% of deposits ($378.0M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 13.74%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.85% (benchmark: 10%).

Check how much of your own balance is covered

11 locations

Branches

Golden Bank, National Association lists 11 offices in 10 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Golden Bank, National Association reported 45 home-loan applications under HMDA (LEI 549300GYMDP10GGMLF50): 33 originated ($39,655,000 total), 3 denied, and 9 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Golden Bank, National Association
Former names
Texas First National Bank
Type
National bank
FDIC certificate #
26223
RSSD ID
536059
Primary regulator
OCC
Established
May 3, 1985
Headquarters
9315 Bellaire Blvd, Houston, TX 77036
Employees
149

Quick answers

Golden Bank, National Association: common questions

Is Golden Bank, National Association FDIC insured?

Yes. Golden Bank, National Association is an FDIC-insured institution (FDIC certificate #26223). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Golden Bank, National Association's TellerScore?

66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Golden Bank, National Association ever failed?

There is no failure record for FDIC certificate #26223 in the FDIC failed bank list.

How many branches does Golden Bank, National Association have?

11 offices as of the latest FDIC data, in 2 states.

Nearby

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