BlastPoint's Banking Scorecard
Texas Gulf Bank, National Association
Houston, TX
9 branches across TX
Texas Gulf Bank, National Association has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.78% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 13.2% in tier
- - ROA 0.33% below tier average
- - Efficiency Ratio 12.87% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$722.2M
+5.5% YoY
+0.8% QoQ
|
+$336.1M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
Top 11.6% in tier |
| Total Loans ? |
$475.9M
+0.3% YoY
-3.3% QoQ
|
+$220.2M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
Top 13.1% in tier |
| Total Deposits ? |
$634.5M
+5.2% YoY
+0.8% QoQ
|
+$306.6M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
Top 10.5% in tier |
| Return on Assets ? |
0.94%
+51.2% YoY
+39.6% QoQ
|
-0.33% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
34% |
| Net Interest Margin ? |
3.94%
+11.7% YoY
+4.2% QoQ
|
+0.01% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
53% |
| Efficiency Ratio ? |
78.15%
-3.4% YoY
-4.1% QoQ
|
+12.87% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
18% |
| Delinquency Rate ? |
0.11%
+145.9% YoY
+3.4% QoQ
|
-0.78% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
73% |
| Loan-to-Deposit Ratio ? |
75.00%
-4.7% YoY
-4.1% QoQ
|
-1.63% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
57% |
| Non-Interest-Bearing Deposit Share ? |
25.01%
-5.7% YoY
+1.2% QoQ
|
+2.99% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
66% |
| Nonperforming Asset Ratio ? |
0.07%
+133.9% YoY
-0.8% QoQ
|
-0.56% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
74% |
| Tier 1 Capital Ratio ? |
11.77%
-4.7% YoY
+0.7% QoQ
|
-4.06% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
32% |
| Non-Interest Income / Assets ? |
0.17%
+18.0% YoY
-72.3% QoQ
|
-0.11% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
79% |
Get Full Access to Texas Gulf Bank, National Association
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.