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Golden Bank, National Association
Houston, TX · FDIC Certificate #26223 · Chartered 05/0
Total assets
$2.28B
Total deposits
$1.91B
Total equity
$308.76M
Net loans
$1.91B
Branches (offices)
11
Net income (YTD)
$17.92M
Rank: #546 of 4,213 U.S. banks by assets · #49 of 346 in Texas. Assets changed 4.5% and deposits 4.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.59% |
| Return on equity | 11.96% |
| Net interest margin (YTD) | 3.77% |
| Equity to assets | 13.56% |
| Tier 1 leverage ratio | 13.74% |
| Uninsured deposits (share of deposits) | 19.8% |
| Noncurrent loans (share of loans) | 2.16% |
| Net charge-offs (share of loans) | -0.05% |
| Loans to deposits | 99.9% |
| Real estate loans (share of loans) | 99.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.90B | 99.4% | |
| Commercial & industrial | $37.56M | 2.0% | |
| Consumer / individual | $902.00K | 0.0% | |
| Construction & development | $221.20M | 11.6% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.37B | $1.14B | $11.25M | $182.19M |
| Jun 2023 | $1.60B | $1.33B | $13.89M | $208.94M |
| Jun 2024 | $1.90B | $1.59B | $13.83M | $238.47M |
| Jun 2025 | $2.18B | $1.82B | $16.00M | $272.08M |
| Jun 2026 | $2.28B | $1.91B | $17.92M | $308.76M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $1.23B | 5 |
| California | $681.75M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.91B.
Similar-sized banks
Queensborough National Bank & Trust Company ($2.28B) · Plumas Bank ($2.28B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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