BlastPoint's Banking Scorecard
Golden Bank, National Association
Designations: ✓ Community bank ✓ CDFI-certified ✓ Minority Depository Institution
Houston, TX
11 branches across CA · TX
Golden Bank, National Association has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 18.55% below tier average
- + ROA 0.12% above tier average
Key Concerns
Areas that may need attention
- - Nonperforming Asset Ratio 0.95% above tier average
- - Non-Interest Income / Assets 0.22% below tier average
- - Net Interest Margin 0.14% below tier average
- - Delinquency Rate 1.04% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.2B
+5.3% YoY
+1.3% QoQ
|
-$566.9M |
$2.8B
-0.1% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
57% |
| Total Loans ? |
$1.9B
+8.3% YoY
+2.2% QoQ
|
-$78.7M |
$2.0B
+0.6% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
65% |
| Total Deposits ? |
$1.9B
+5.6% YoY
+1.0% QoQ
|
-$456.9M |
$2.3B
-0.3% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
56% |
| Return on Assets ? |
1.49%
+2.7% YoY
-6.0% QoQ
|
+0.12% |
1.37%
+19.6% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
70% |
| Net Interest Margin ? |
3.68%
+1.1% YoY
-3.9% QoQ
|
-0.14% |
3.82%
+6.9% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
53% |
| Efficiency Ratio ? |
42.51%
-5.4% YoY
+3.7% QoQ
|
-18.55% |
61.06%
-4.6% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
Top 9.0% in tier |
| Delinquency Rate ? |
1.93%
+22.3% YoY
+0.6% QoQ
|
+1.04% |
0.89%
+14.1% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 10.2% in tier |
| Loan-to-Deposit Ratio ? |
99.98%
+2.5% YoY
+1.2% QoQ
|
+15.78% |
84.20%
+0.3% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
Bottom 13.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
12.10%
+21.0% YoY
+5.7% QoQ
|
-9.19% |
21.29%
-2.5% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
17% |
| Nonperforming Asset Ratio ? |
1.63%
+26.3% YoY
+1.9% QoQ
|
+0.95% |
0.67%
+15.6% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 9.3% in tier |
| Tier 1 Capital Ratio ? |
15.25%
+2.8% YoY
+0.9% QoQ
|
+0.09% |
15.16%
+2.0% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
75% |
| Non-Interest Income / Assets ? |
0.03%
+26.0% YoY
-71.1% QoQ
|
-0.22% |
0.26%
+1.6% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
Bottom 4.8% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.