TEXAS GULF BANK, NATIONAL ASSOCIATION

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

Est. 1913FDIC #3,206

Satisfactory Same

Current rating · Exam: March 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.94%

Institution Profile

FDIC BankFind

Website

www.texasgulfbank.com

Address

1626 S Voss Rd, HOUSTON, TX

County

Harris County

Established

July 13, 1913

Total Assets

$722M(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

March 3, 2025

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

Estimated next exam:Mar 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$722M

Total Deposits

$635M

Net Loans

$476M

Net Income

$2M

ROA

0.94%

Above avg for Small banks. Peer avg: 0.44%

ROE

8.33%

Risk-Based Capital

0.00%

Below avg for Small banks. Regulatory min: 8%

Peer Comparison

Small banks

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

ROA0.94%Peer avg: 0.44%▲ Above avg

Risk-Based Capital0.00%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate14.58%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$608M

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	48	72.92%	14.58%
2023	47	85.11%	12.77%
2019	70	61.43%	31.43%
2018	93	74.19%	15.05%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Mar 2025	Satisfactory	Intermediate Small Bank
Sep 2021	Satisfactory	Intermediate Small Bank
Jun 2018	Satisfactory	Intermediate Small Bank

7 previous ratings locked — back to 1994

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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