🏦Bank Scorer

GOLDEN BANK, NATIONAL ASSOCIATION

HOUSTON, TX · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1985FDIC #26,223
Satisfactory Same

Current rating · Exam: January 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.49%

Is this bank safe?

GOLDEN BANK, NATIONAL ASSOCIATION holds a Satisfactory CRA rating (2024), and is financially strong (ROA +1.49%).

Institution Profile

FDIC BankFind

Address

9315 Bellaire Blvd, HOUSTON, TX

County

Harris County

Established

May 3, 1985

Total Assets

$2.2B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

January 2, 2024

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Jan 2028(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$2.2B

Total Deposits

$1.9B

Net Loans

$1.9B

Net Income

$8M

ROA

1.49%

Above avg for Community banks. Peer avg: 0.90%

ROE

11.28%

Risk-Based Capital

16.50%

Above avg for Community banks. Regulatory min: 8%

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

ROA1.49%Peer avg: 0.90%▲ Above avg
Risk-Based Capital16.50%Peer avg: 12.91%▲ Above avg
Mortgage Denial Rate6.03%Peer avg: 10.20%▼ Fewer than avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

11

Branch Deposits

$1.8B

1-Year Change

0

5-year net change: +3 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202411675%6.03%
202313882.61%5.80%
202212989.92%3.10%
20213794.59%0.00%
20203387.88%3.03%
20192085%0.00%
20183789.19%0.00%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red

Rating History

CRA / FFIEC
Exam DateRatingExam Type
Jan 2024SatisfactorySmall Bank
Oct 2020SatisfactoryIntermediate Small Bank
Jul 2017SatisfactoryIntermediate Small Bank

8 previous ratings locked — back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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