TellerScore

Texas Gulf Bank, National Association is a national bank headquartered in Houston, Texas, in business for about 113 years. At the end of Q2 2026 it reported $726.9M in total assets and $638.6M in deposits, with 9 offices.

Texas Gulf Bank, National Association has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 64% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 145th. Loan quality contributes the most (100/100, 0.00%); funding & liquidity contributes the least (54/100, 79% loans-to-deposits, 40% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion70/100
Tier 1 leverage ratio: 11.98%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings61/100
Return on assets (annualized): 1.03%
Funding & liquidity54/100
Loans ÷ deposits and uninsured-deposit share: 78.6% · 39.8% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

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

From Q2 2025 to Q2 2026, the score rose 3 points (73 → 76), mostly because the earnings component improved by 24 points.

TellerScore
677276Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202470
Q4 202474
Q1 202575
Q2 202573
Q3 202571
Q4 202572
Q1 202675
Q2 202676
Tier 1 leverage ratio
5.00%8.68%12.35%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.91%
Q3 202411.88%
Q4 202411.96%
Q1 202512.35%
Q2 202512.28%
Q3 202511.64%
Q4 202511.70%
Q1 202611.77%
Q2 202611.98%
Noncurrent loans
0.00%0.24%0.48%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.48%
Q3 20240.40%
Q4 20240.09%
Q1 20250.04%
Q2 20250.01%
Q3 20250.11%
Q4 20250.11%
Q1 20260.11%
Q2 20260.00%
Return on assets
0.43%0.73%1.03%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.48%
Q3 20240.62%
Q4 20240.67%
Q1 20250.62%
Q2 20250.43%
Q3 20250.57%
Q4 20250.67%
Q1 20260.94%
Q2 20261.03%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$726.9M11.98%0.00%1.03%78.6%
Q1 202675$722.2M11.77%0.11%0.94%75.0%
Q4 202572$716.1M11.70%0.11%0.67%78.2%
Q3 202571$695.3M11.64%0.11%0.57%79.7%
Q2 202573$690.4M12.28%0.01%0.43%78.1%
Q1 202575$684.7M12.35%0.04%0.62%78.7%
Q4 202474$693.8M11.96%0.09%0.67%75.7%
Q3 202470$721.8M11.88%0.40%0.62%75.6%
Q2 202467$706.1M11.91%0.48%0.48%77.9%

2,650 peers · $100 million – $1 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 ratio11.98%
65th
Total risk-based capital0.00%
24th
Problem loans0.00%
94th
Net charge-offs0.09%
21st
Return on assets1.03%
36th
Net interest margin4.06%
57th
Efficiency ratio77.3%
17th
Loans to deposits78.6%
52nd
Uninsured deposits39.8%
11th
Loan-loss reserves1.09%
37th
Texas ratio0.0%
95th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Grandview BankBank Grandview, TX81 out of 100, Strong$729.3M12.4%0.12%vs
The First National Bank of SonoraBank Sonora, TX46 out of 100, Below average$722.0M8.0%1.40%vs
Kleberg Bank, N.A.Bank Kingsville, TX70 out of 100, Strong$736.8M9.5%0.10%vs
Pilgrim BankBank Pittsburg, TX68 out of 100, Moderate$714.6M10.2%0.15%vs
First BankBank Burkburnett, TX81 out of 100, Strong$703.6M13.9%0.80%vs
Southwest BankBank Odessa, TX76 out of 100, Strong$693.7M11.3%0.34%vs

Deposit insurance

Is my money safe at Texas Gulf Bank, National Association?

Yes. Texas Gulf Bank, National Association is an FDIC-insured institution (FDIC certificate #3206). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 39.8% of deposits ($254.0M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.98%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

9 locations

Branches

Texas Gulf Bank, National Association lists 9 offices in 7 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Texas Gulf Bank, National Association reported 56 home-loan applications under HMDA (LEI 54930031J0Z4IG9PQZ65): 43 originated ($28,705,000 total), 4 denied, and 7 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.2%, 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
Texas Gulf Bank, National Association
Former names
The Freeport National Bank; First Freeport National Bank; The First Freeport National Bank
Type
National bank
FDIC certificate #
3206
RSSD ID
514655
Primary regulator
OCC
Holding company
Texas Gulf Bancshares Inc
Established
July 13, 1913
Headquarters
1626 S Voss Rd, Houston, TX 77057
Employees
122

Quick answers

Texas Gulf Bank, National Association: common questions

Is Texas Gulf Bank, National Association FDIC insured?

Yes. Texas Gulf Bank, National Association is an FDIC-insured institution (FDIC certificate #3206). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Texas Gulf Bank, National Association's TellerScore?

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

Has Texas Gulf Bank, National Association ever failed?

There is no failure record for FDIC certificate #3206 in the FDIC failed bank list.

How many branches does Texas Gulf Bank, National Association have?

9 offices as of the latest FDIC data.

Nearby

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