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Texas Gulf Bank, National Association
Houston, TX · FDIC Certificate #3206 · Chartered 07/1
Total assets
$726.94M
Total deposits
$638.59M
Total equity
$81.91M
Net loans
$502.07M
Branches (offices)
9
Net income (YTD)
$3.71M
Rank: #1,343 of 4,213 U.S. banks by assets · #120 of 346 in Texas. Assets changed 5.3% and deposits 5.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.03% |
| Return on equity | 9.15% |
| Net interest margin (YTD) | 4.06% |
| Equity to assets | 11.27% |
| Tier 1 leverage ratio | 11.98% |
| Uninsured deposits (share of deposits) | 39.8% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.09% |
| Loans to deposits | 78.6% |
| Real estate loans (share of loans) | 89.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $448.35M | 89.3% | |
| Commercial & industrial | $43.34M | 8.6% | |
| Consumer / individual | $6.46M | 1.3% | |
| Construction & development | $97.55M | 19.4% | |
| Agricultural | $2.26M | 0.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $673.09M | $603.39M | $4.30M | $67.20M |
| Jun 2023 | $684.36M | $578.46M | $2.29M | $67.32M |
| Jun 2024 | $706.12M | $618.72M | $1.67M | $73.91M |
| Jun 2025 | $690.44M | $607.76M | $1.49M | $79.42M |
| Jun 2026 | $726.94M | $638.59M | $3.71M | $81.91M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $638.59M | 9 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $638.59M.
Similar-sized banks
The Malvern National Bank ($728.38M) · Northwestern Bank ($725.62M)
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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