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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southwest · Texas, the state note

Golden Bank National Association

Houston, Texas · $2.28B in assets · beside the 11 other Texas banks between $1B and $3B

The filing

13.6%
Equity / assets
1st of 12
2.16%
NPA / loans
11th of 12
56.8%
CRE / loans
11th of 12

Golden Bank National Association is the eighth largest of the 12 Texas banks nearest its size between $1B and $3B, with $2.28B in assets at 30 June 2026. Loans are 101.2% of deposits, 10th of 12 against a median of 74.2%, and equity is 13.6% of assets, the highest in the cohort. Loans grew +9.0% in the year, 4th of 12, and deposits grew 4.9%; the cohort's median loan growth is +6.4%.

Noncurrent loans are 2.16% of the book, 11th of 12 against a median of 0.41%; 0.74% is 30 to 89 days past due, and the allowance covers them 0.6 times. Commercial real estate is 56.8% of loans, 11th of 12 against a median of 40.4%, and 327% of capital, above the 300% screen, with construction at 66% against the 100% screen.

Return on assets is 1.58%, 9th of 12 against a median of 1.85%, on an efficiency ratio of 41.9%, 2nd of 12. Five years ago it was 1.86%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 31.1% of loans).

Equity as a share of assetsTX banks $1B to $3B · 30 June 2026 · higher is stronger, listed first
median 11.4% GB Golden Bank National Association 13.6% CN Community National Bank 12.9% T Texasbank 12.6% TC Texas Community Bank 12.5% FI Falcon International Bank 12.2% CN Citizens National Bank of Texas 12.0% SS Security State Bank & Trust 10.8% FU First United Bank 10.5% AN American National Bank & Trust 10.2% TF Texas First Bank 9.7% EB Extraco Banks National Association 8.4% HB Horizon Bank SSB 8.0%
Loans, year over yearTX banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +6.4% CN Citizens National Bank of Texas +13.5% SS Security State Bank & Trust +10.9% T Texasbank +9.2% GB Golden Bank National Association +9.0% AN American National Bank & Trust +8.0% FI Falcon International Bank +6.5% TF Texas First Bank +6.3% HB Horizon Bank SSB +6.1% TC Texas Community Bank +2.9% FU First United Bank +2.8% EB Extraco Banks National Association +1.1% CN Community National Bank -1.1%

SBA 7(a), FY2008 to FY2026

Golden Bank National Association is the 76th largest 7(a) lender into Texas of 706, with $130M across 105 loans, 0.3% of everything approved in the state (Live Oak Banking Company leads with $2.53B). 47 of its 57 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Texas, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Los Angeles, CA$42M67th of 3080.2%-0.9 pts
Harris, TX$35M56th of 3140.4%quiet FY2022
Dallas, TX$22M59th of 3140.4%-1.3 pts
Orange, CA$14M74th of 2560.2%-0.9 pts
Collin, TX$9M68th of 2610.3%quiet FY2021
San Bernardino, CA$8M76th of 2130.2%quiet FY2021
Tarrant, TX$7M100th of 2810.2%-0.5 pts
Brazoria, TX$6M25th of 1291.1%quiet FY2022
Ventura, CA$5M52nd of 1590.4%quiet FY2022
Smith, TX$5M14th of 1011.9%quiet FY2021
Solano, CA$5M24th of 1091.1%quiet FY2022
Sonoma, CA$5M27th of 1120.6%quiet FY2022
Riverside, CA$5M84th of 2190.1%-0.2 pts
44 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services82$109M44.9%0.14%132nd of 2,596
Retail trade43$47M19.2%0.08%192nd of 2,589
Other services23$46M18.8%0.13%131st of 2,248
Wholesale trade12$14M5.6%0.05%242nd of 1,651
Manufacturing6$9M3.9%0.02%483rd of 2,246
7(a) lenders into Texas, share of approvals since FY2008706 lenders on record; the ten largest and Golden Bank National Association
LO Live Oak Banking Company 5.8% $2.53B · 1,820 loans TH The Huntington National Bank 5.2% $2.28B · 3,585 loans WF Wells Fargo Bank National Associa… 4.6% $2.02B · 7,244 loans PB PNC Bank, National Association 3.9% $1.70B · 8,154 loans JC JPMorgan Chase Bank, National Ass… 3.4% $1.49B · 7,339 loans WB Wallis Bank 3.2% $1.41B · 1,134 loans CB Celtic Bank Corporation 2.0% $879M · 1,359 loans Bo Bank of Hope 1.7% $741M · 1,359 loans RL Readycap Lending, LLC 1.7% $728M · 1,216 loans EB Enterprise Bank & Trust 1.6% $717M · 569 loans GB Golden Bank National Association 0.3% $130M · 105 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
Golden Bank National AssociationRankCohort median
Total CRE against capital, the 300% screen327%11th of 12235%
Construction against capital, the 100% screen66%5th of 1278%
Construction and land development, share of loans11.4%3rd of 1214.2%
Non-owner-occupied nonfarm nonresidential, share of loans41.4%12th of 1220.6%
Total CRE, the guidance definition, share of loans56.8%11th of 1240.4%
CRE growth over 36 months, the third prong+47.9%11th of 12+28.9%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Extraco Banks National Association$2.57B0.8%75.7%0.04%0.04%2.4%64.4%8.4%
Horizon Bank SSB$2.55B1.7%52.6%0.00%0.02%1.7%74.0%8.0%
Community National Bank$2.54B2.1%47.6%1.66%0.01%1.7%72.7%12.9%
American National Bank & Trust$2.54B1.0%68.3%0.88%0.00%1.1%85.7%10.2%
Texasbank$2.48B2.3%52.8%0.41%0.11%1.2%106.5%12.6%
First United Bank$2.41B2.0%53.2%0.41%0.10%1.3%70.8%10.5%
Texas First Bank$2.35B1.7%58.6%0.17%0.01%1.3%65.1%9.7%
Golden Bank National Association$2.28B1.6%41.9%2.16%-0.05%1.3%101.2%13.6%
Falcon International Bank$2.25B1.5%55.0%0.00%0.02%1.1%74.5%12.2%
Texas Community Bank$2.20B2.1%40.9%0.20%0.05%2.0%59.8%12.5%
Citizens National Bank of Texas$2.19B2.5%45.9%1.42%0.04%1.1%102.3%12.0%
Security State Bank & Trust$2.18B2.2%55.5%2.22%0.04%1.1%86.3%10.8%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Golden Bank National AssociationCohort median
20212026Change20212026Change
Loans$979M$1.93B+98%$979M$1.57B+61%
Deposits$1.08B$1.91B+77%$1.45B$2.03B+40%
NPA / loans0.14%2.16%+2.02 pts0.22%0.41%+0.19 pts
Efficiency41.0%41.9%+0.9 pts59.9%53.0%-6.9 pts
ROA1.86%1.58%-0.28 pts1.49%1.85%+0.36 pts

This read was prepared for Golden Bank National Association's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Golden Bank National Association is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort TX banks $1B to $3B
Institution goldenbank-na.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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