BlastPoint's Banking Scorecard
Golden Bank, National Association
Community
Specialty: Commercial
TX
FDIC cert 26223
Houston, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
Golden Bank, National Association has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 21.65% below tier
Key Concerns
Areas that may need attention
- - Nonperforming Asset Ratio 1.10% above tier
- - Non-Interest Income / Assets 0.63% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.2B
+10.6% YoY
-0.3% QoQ
|
+$828.2M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
83% |
| Total Loans ? |
$1.8B
+9.4% YoY
+2.6% QoQ
|
+$870.6M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Top 13% in tier |
| Total Deposits ? |
$1.9B
+11.9% YoY
-0.0% QoQ
|
+$703.1M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
83% |
| Return on Assets ? |
1.58%
-2.3% YoY
-1.4% QoQ
|
+0.42% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
78% |
| Net Interest Margin ? |
3.83%
+1.3% YoY
+0.7% QoQ
|
+0.16% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
61% |
| Efficiency Ratio ? |
40.98%
-2.1% YoY
-0.6% QoQ
|
-21.65% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 5% in tier |
| Delinquency Rate ? |
1.92%
+44.4% YoY
+17.3% QoQ
|
+1.29% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Bottom 11% in tier |
| Loan-to-Deposit Ratio ? |
98.85%
-2.3% YoY
+2.6% QoQ
|
+15.78% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 15% in tier |
| Non-Interest-Bearing Deposit Share ? |
11.44%
+9.0% YoY
+5.3% QoQ
|
-9.60% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 14% in tier |
| Nonperforming Asset Ratio ? |
1.60%
+42.8% YoY
+20.6% QoQ
|
+1.10% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 9% in tier |
| Tier 1 Capital Ratio ? |
15.11%
+2.5% YoY
+0.2% QoQ
|
+4.87% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
77% |
| Non-Interest Income / Assets ? |
0.11%
-27.8% YoY
+31.8% QoQ
|
-0.63% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Bottom 4% in tier |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 5%
in Community
Efficiency Ratio is in the top decile (lowest costs) of tier peers. Operating costs as a share of revenue are well below peers - operating leverage is a real advantage here.
Why this stands out
Current:
40.98%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (2)
Nonperforming Asset Ratio
metric
Bottom 9%
in Community
Non-Performing Asset Ratio is in the bottom decile (highest) of tier peers. Problem assets are pressuring earnings and capital - watch reserve coverage and OREO trends.
Why this stands out
Current:
1.60%
(Tier avg: 0.50%, National avg: 0.48%)
Non-Interest Income / Assets
metric
Bottom 4%
in Community
Non-Interest Income as a share of assets is in the bottom decile of tier peers. Revenue mix is heavily reliant on spread income - earnings more exposed to rate cycle inflections.
Why this stands out
Current:
0.11%
(Tier avg: 0.74%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
95
95th pctile
Efficiency Ratio
Current: 40.98% · Tier avg: 62.63%
87
87th pctile
Total Loans
Current: $1.8B · Tier avg: $975.5M
83
83th pctile
Total Deposits
Current: $1.9B · Tier avg: $1.2B
83
83th pctile
Total Assets
Current: $2.2B · Tier avg: $1.4B
78
78th pctile
Return on Assets
Current: 1.58% · Tier avg: 1.16%
77
77th pctile
Tier 1 Capital Ratio
Current: 15.11% · Tier avg: 10.24%
61
61th pctile
Net Interest Margin
Current: 3.83% · Tier avg: 3.66%
15
15th pctile
Loan-to-Deposit Ratio
Current: 98.85% · Tier avg: 83.06%
14
14th pctile
Non-Interest-Bearing Deposit Share
Current: 11.44% · Tier avg: 21.05%
11
11th pctile
Delinquency Rate
Current: 1.92% · Tier avg: 0.63%
9
9th pctile
Nonperforming Asset Ratio
Current: 1.60% · Tier avg: 0.50%
4
4th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.74%
Top Weaknesses
4
4th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.74%
9
9th pctile
Nonperforming Asset Ratio
Current: 1.60% · Tier avg: 0.50%
11
11th pctile
Delinquency Rate
Current: 1.92% · Tier avg: 0.63%
14
14th pctile
Non-Interest-Bearing Deposit Share
Current: 11.44% · Tier avg: 21.05%
15
15th pctile
Loan-to-Deposit Ratio
Current: 98.85% · Tier avg: 83.06%
61
61th pctile
Net Interest Margin
Current: 3.83% · Tier avg: 3.66%
77
77th pctile
Tier 1 Capital Ratio
Current: 15.11% · Tier avg: 10.24%
78
78th pctile
Return on Assets
Current: 1.58% · Tier avg: 1.16%
83
83th pctile
Total Assets
Current: $2.2B · Tier avg: $1.4B
83
83th pctile
Total Deposits
Current: $1.9B · Tier avg: $1.2B
87
87th pctile
Total Loans
Current: $1.8B · Tier avg: $975.5M
95
95th pctile
Efficiency Ratio
Current: 40.98% · Tier avg: 62.63%