BlastPoint's Banking Scorecard
Texas Gulf Bank, National Association
Houston, TX
9 branches across 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
- Deposits +5.1% year over year ($638.6M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.03%.
- Efficiency ratio 77.33% vs a 64.48% peer average.
- Loan-to-deposit ratio 78.62% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Texas Gulf Bank, National Association has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.92% below tier average
- + Nonperforming Asset Ratio 0.67% below tier average
- + Net Interest Margin 0.08% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.29% below tier average
- - Efficiency Ratio 12.85% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$726.9M
+5.3% YoY
+0.7% QoQ
|
+$340.4M |
$386.6M
+1.2% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
Top 11.4% in tier |
| Total Loans ? |
$502.1M
+5.8% YoY
+5.5% QoQ
|
+$243.7M |
$258.3M
+1.7% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
Top 11.2% in tier |
| Total Deposits ? |
$638.6M
+5.1% YoY
+0.6% QoQ
|
+$311.9M |
$326.7M
+0.7% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
Top 10.1% in tier |
| Return on Assets ? |
1.03%
+137.8% YoY
+9.9% QoQ
|
-0.29% |
1.32%
+10.8% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
36% |
| Net Interest Margin ? |
4.06%
+11.4% YoY
+3.1% QoQ
|
+0.08% |
3.99%
+5.0% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
57% |
| Efficiency Ratio ? |
77.33%
-10.1% YoY
-1.1% QoQ
|
+12.85% |
64.48%
-3.2% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
17% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.92% |
0.92%
+15.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
78.62%
+0.7% YoY
+4.8% QoQ
|
+0.67% |
77.95%
+1.0% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
52% |
| Non-Interest-Bearing Deposit Share ? |
26.27%
-3.1% YoY
+5.1% QoQ
|
+4.24% |
22.03%
-0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
71% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.67% |
0.67%
+16.4% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
11.98%
-2.5% YoY
+1.7% QoQ
|
-3.93% |
15.91%
+1.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
36% |
| Non-Interest Income / Assets ? |
0.34%
+17.2% YoY
+102.0% QoQ
|
-0.22% |
0.57%
+7.6% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
78% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
26.3%
-0.8pp YoY +1.3pp QoQ |
+4.1pp | 22.1% | 29.2% | 22.2% | 71% |
| Brokered Deposits | n/a | n/a | 7.9% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
8.6%
+0.4pp YoY -0.5pp QoQ |
-2.9pp | 11.6% | 14.8% | 12.5% | 44% |
| CRE |
59.3%
-1.3pp YoY +0.6pp QoQ |
+19.8pp | 39.5% | 48.4% | 41.4% | 83% |
| 1-4 Family |
29.2%
+0.4pp YoY -0.5pp QoQ |
-3.4pp | 32.6% | 25.8% | 31.3% | 49% |
| Consumer |
1.3%
+0.3pp YoY +0.3pp QoQ |
-2.8pp | 4.1% | 4.7% | 5.0% | 35% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 22.7% | 19.7% | n/a |
| Leverage Ratio |
12.0%
-0.3pp YoY +0.2pp QoQ |
-0.2pp | 12.2% | 12.6% | 12.6% | 65% |
| Total Capital Ratio | n/a | n/a | 19.9% | 23.8% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
122
+1 (+0.8%) YoY -4 (-3.2%) QoQ |
+63 | 58 | 186 | 482 | 93% |
| Assets per Employee ($) |
$6.0M
+4.4% YoY +4.0% QoQ |
-$1.6M | $7.5M | $10.1M | $8.8M | 33% |
| Branch Count |
9
0 YoY 0 QoQ |
+4 | 4 | 12 | 18 | 86% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 1.0% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 18.82x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
0.1%
0.0pp YoY +0.1pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 74% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.2%
+5.3pp YoY +0.8pp QoQ |
-3.0pp | 12.2% | 13.2% | 11.6% | 32% |
| Cost of Funds (YTD) |
1.5%
-0.3pp YoY 0.0pp QoQ |
-0.2pp | 1.7% | 1.6% | 1.7% | 36% |
| Net Income ($, YTD) |
$3.7M
+148.8% YoY — QoQ |
+$1.2M | $2.6M | $15.9M | $40.4M | 78% |
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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.