Golden Bank, National Association: how it compares with its peers
Against 57 TX banks with half to twice its assets, Golden Bank, National Association's strongest measure in Q2 2026 is assets per employee ($15.3M vs. a $8.7M peer median). Its weakest relative measure is net interest margin (3.77% vs. 3.95%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.59% | 1.55% | Middle third Ahead of 54% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.77% | 3.95% | Middle third Ahead of 40% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 41.90% | 57.50% | Top third Ahead of 88% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $15.3M | $8.7M | Top third Ahead of 89% of peers |
| Loans to deposits Net loans and leases over total deposits. | 99.93% | 77.02% | Context |
What it means for lending operations
Its efficiency ratio of 41.90% is better than the 57.50% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Falcon International Bank Laredo, TX · $2.25B
- Texas First Bank Texas City, TX · $2.35B
- Texas Community Bank Laredo, TX · $2.20B
- Citizens National Bank of Texas Waxahachie, TX · $2.19B
- Security State Bank & Trust Fredericksburg, TX · $2.18B
- First United Bank Dimmitt, TX · $2.41B
Questions about Golden Bank, National Association
How big is Golden Bank, National Association?
Golden Bank, National Association, established in 1985, is headquartered in Houston, TX. It reported $2.28B in total assets in its Q2 2026 FDIC call report and operates 11 offices.
What is Golden Bank, National Association's return on assets?
1.59% annualized in Q2 2026, against a 1.55% median for 57 TX banks with half to twice its assets, ahead of 54% of them.
What is Golden Bank, National Association's efficiency ratio?
41.90% in Q2 2026: it spent about 42 cents in noninterest expense for each dollar of revenue. The peer median is 57.50%, and lower is better.
Is Golden Bank, National Association growing its loans?
Net loans grew 8.9% over the year to Q2 2026, while deposits grew 4.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.