BlastPoint's Banking Scorecard

Golden Bank, National Association

$1B-$10B Specialty: Commercial TX FDIC cert 26223

Designations: ✓ Community bank ✓ CDFI-certified ✓ Minority Depository Institution

Houston, TX

11 branches across CA · TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 78 in TX.
Deposits +4.9% year over year ($1.9B on the books).
Delinquency rate 2.19%.
Return on assets 1.59%.
Efficiency ratio 41.90% vs a 59.73% peer average.
Loan-to-deposit ratio 99.93% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 78 in TX

View $1B-$10B leaderboard (TX) →

Golden Bank, National Association has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 17.83% below tier average
+ ROA 0.20% above tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 1.32% above tier average
- Nonperforming Asset Ratio 1.16% above tier average
- Non-Interest Income / Assets 0.47% below tier average
- Net Interest Margin 0.10% below tier average

Get updates when Golden Bank, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$2.3B +4.5% YoY +1.3% QoQ	-$515.8M	$2.8B -0.6% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	57%
Total Loans ?	$1.9B +8.9% YoY +1.3% QoQ	-$53.5M	$2.0B -0.3% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	65%
Total Deposits ?	$1.9B +4.9% YoY +1.3% QoQ	-$407.8M	$2.3B -0.5% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	57%
Return on Assets ?	1.59% +4.9% YoY +7.0% QoQ	+0.20%	1.39% +17.0% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	73%
Net Interest Margin ?	3.77% +1.5% YoY +2.5% QoQ	-0.10%	3.87% +6.2% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	54%
Efficiency Ratio ?	41.90% -2.8% YoY -1.4% QoQ	-17.83%	59.73% -12.6% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	Top 9.0% in tier
Delinquency Rate ?	2.19% +21.2% YoY +13.3% QoQ	+1.32%	0.87% +11.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	Bottom 7.6% in tier
Loan-to-Deposit Ratio ?	99.93% +3.8% YoY -0.1% QoQ	+14.89%	85.04% -0.1% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	Bottom 14.4% in tier
Non-Interest-Bearing Deposit Share ?	11.05% +4.1% YoY -8.7% QoQ	-10.23%	21.27% -1.5% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	Bottom 13.2% in tier
Nonperforming Asset Ratio ?	1.83% +26.3% YoY +12.7% QoQ	+1.16%	0.67% +11.7% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	Bottom 6.9% in tier
Tier 1 Capital Ratio ?	15.60% +3.1% YoY +2.3% QoQ	+0.76%	14.84% -0.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	78%
Non-Interest Income / Assets ?	0.06% +10.0% YoY +85.6% QoQ	-0.47%	0.53% +2.5% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	Bottom 4.3% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Noninterest-Bearing	11.0% +0.4pp YoY -1.1pp QoQ	-10.3pp	21.4%	29.2%	22.2%	13%
Brokered Deposits	4.3% -0.5pp YoY -0.8pp QoQ	-5.1pp	9.5%	8.0%	8.5%	44%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	2.0% +0.2pp YoY +0.4pp QoQ	-12.0pp	14.0%	14.8%	12.5%	6%
CRE	89.0% +1.9pp YoY -0.2pp QoQ	+39.0pp	50.0%	48.4%	41.4%	99%
1-4 Family	10.3% -2.0pp YoY -0.2pp QoQ	-16.1pp	26.4%	25.8%	31.3%	18%
Consumer	0.0% 0.0pp YoY 0.0pp QoQ	-4.7pp	4.7%	4.7%	5.0%	7%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	15.6% +0.5pp YoY +0.3pp QoQ	0.0pp	15.6%	22.7%	19.7%	75%
Leverage Ratio	13.7% +1.0pp YoY +0.3pp QoQ	+2.4pp	11.3%	12.6%	12.6%	89%
Total Capital Ratio	16.8% +0.5pp YoY +0.3pp QoQ	+0.2pp	16.7%	23.8%	20.8%	76%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	149 0 YoY 0 QoQ	-165	313	186	482	22%
Assets per Employee ($)	$15.3M +4.5% YoY +1.3% QoQ	+$4.8M	$10.5M	$10.1M	$8.8M	90%
Branch Count	11 0 YoY 0 QoQ	-9	20	12	18	35%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.3%	0.4%	n/a
Nonaccrual	2.2% +0.4pp YoY +0.3pp QoQ	+1.4pp	0.8%	1.0%	1.0%	94%
Allowance Coverage	0.60x -8.7% YoY -12.4% QoQ	-18.11x	18.71x	18.82x	20.23x	10%
Net Charge-off Rate (YTD)	-0.1% 0.0pp YoY +0.1pp QoQ	-0.3pp	0.3%	0.1%	0.2%	2%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	12.0% -0.2pp YoY +0.7pp QoQ	-0.6pp	12.6%	13.2%	11.6%	49%
Cost of Funds (YTD)	2.8% -0.5pp YoY 0.0pp QoQ	+0.8pp	1.9%	1.6%	1.7%	92%
Net Income ($, YTD)	$17.9M +12.0% YoY — QoQ	-$1.3M	$19.2M	$15.9M	$40.4M	66%

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12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (2 metrics)

Efficiency Ratio

profitability

Value: 41.90%

Peer Median: 59.73%

#81 of 885 Top 9.0% in $1B-$10B

197

Tier 1 Capital Ratio

capital

Value: 15.60%

Peer Median: 14.84%

#197 of 885 Top 22.1% in $1B-$10B

Top Weaknesses (5 metrics)

848

Non-Interest Income / Assets

revenue_mix

Value: 0.06%

Peer Median: 0.53%

#848 of 885 Bottom 4.3% in $1B-$10B

825

Nonperforming Asset Ratio

credit_quality

Value: 1.83%

Peer Median: 0.67%

#825 of 885 Bottom 6.9% in $1B-$10B

816

Delinquency Rate

credit_quality

Value: 2.19%

Peer Median: 0.87%

#816 of 882 Bottom 7.6% in $1B-$10B

769

Non-Interest-Bearing Deposit Share

funding

Value: 11.05%

Peer Median: 21.27%

#769 of 885 Bottom 13.2% in $1B-$10B

759

Loan-to-Deposit Ratio

liquidity

Value: 99.93%

Peer Median: 85.04%

#759 of 885 Bottom 14.4% in $1B-$10B