BlastPoint's Banking Scorecard
Texas Gulf Bank, National Association
Community
Specialty: Commercial
TX
FDIC cert 3206
Houston, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
Texas Gulf Bank, National Association has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 18% in Community
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 5% in Community
- - Credit Risk Growth: Bottom 20% in Community
- - Efficiency Drag: Bottom 23% in Community
- - Capital Thin: Bottom 34% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$716.1M
+3.2% YoY
+3.0% QoQ
|
-$675.3M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
28% |
| Total Loans ? |
$492.3M
+5.9% YoY
+0.9% QoQ
|
-$483.2M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
30% |
| Total Deposits ? |
$629.4M
+2.5% YoY
+2.8% QoQ
|
-$535.2M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
31% |
| Return on Assets ? |
0.67%
-0.3% YoY
+18.2% QoQ
|
-0.49% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
18% |
| Net Interest Margin ? |
3.78%
+15.4% YoY
+1.7% QoQ
|
+0.12% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
59% |
| Efficiency Ratio ? |
81.52%
+3.7% YoY
-2.0% QoQ
|
+18.89% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 9% in tier |
| Delinquency Rate ? |
0.11%
+15.7% YoY
-0.9% QoQ
|
-0.52% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
81% |
| Loan-to-Deposit Ratio ? |
78.21%
+3.3% YoY
-1.9% QoQ
|
-4.86% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
66% |
| Non-Interest-Bearing Deposit Share ? |
24.71%
-2.9% YoY
-4.1% QoQ
|
+3.66% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
68% |
| Nonperforming Asset Ratio ? |
0.07%
+18.7% YoY
-2.9% QoQ
|
-0.42% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
82% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.61%
+5.7% YoY
+33.6% QoQ
|
-0.13% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
62% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#68 of 371 · Top 18% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.11%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Concerns (4)
Credit Quality Pressure
risk
#45 of 808 · Bottom 5% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.11%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
Credit Risk Growth
risk
#129 of 642 · Bottom 20% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Efficiency Drag
risk
#36 of 152 · Bottom 23% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
81.52%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Capital Thin
risk
#149 of 432 · Bottom 34% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank declining
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
82
82th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.50%
81
81th pctile
Delinquency Rate
Current: 0.11% · Tier avg: 0.63%
68
68th pctile
Non-Interest-Bearing Deposit Share
Current: 24.71% · Tier avg: 21.05%
66
66th pctile
Loan-to-Deposit Ratio
Current: 78.21% · Tier avg: 83.06%
62
62th pctile
Non-Interest Income / Assets
Current: 0.61% · Tier avg: 0.74%
59
59th pctile
Net Interest Margin
Current: 3.78% · Tier avg: 3.66%
31
31th pctile
Total Deposits
Current: $629.4M · Tier avg: $1.2B
30
30th pctile
Total Loans
Current: $492.3M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
28
28th pctile
Total Assets
Current: $716.1M · Tier avg: $1.4B
18
18th pctile
Return on Assets
Current: 0.67% · Tier avg: 1.16%
9
9th pctile
Efficiency Ratio
Current: 81.52% · Tier avg: 62.63%
Top Weaknesses
9
9th pctile
Efficiency Ratio
Current: 81.52% · Tier avg: 62.63%
18
18th pctile
Return on Assets
Current: 0.67% · Tier avg: 1.16%
28
28th pctile
Total Assets
Current: $716.1M · Tier avg: $1.4B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
30
30th pctile
Total Loans
Current: $492.3M · Tier avg: $975.5M
31
31th pctile
Total Deposits
Current: $629.4M · Tier avg: $1.2B
59
59th pctile
Net Interest Margin
Current: 3.78% · Tier avg: 3.66%
62
62th pctile
Non-Interest Income / Assets
Current: 0.61% · Tier avg: 0.74%
66
66th pctile
Loan-to-Deposit Ratio
Current: 78.21% · Tier avg: 83.06%
68
68th pctile
Non-Interest-Bearing Deposit Share
Current: 24.71% · Tier avg: 21.05%
81
81th pctile
Delinquency Rate
Current: 0.11% · Tier avg: 0.63%
82
82th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.50%