Texas Gulf Bank NA (FDIC #3206): Bank Stress & Real-Estate Credit Exposure
Texas Gulf Bank NA (FDIC Cert #3206): bank stress 65/100, elevated, STABLE over 7 days; parent TEXAS GULF BANCSHARES INC.
Texas Gulf Bank NA (#3206) lends in 3 counties across 1 state; Texas Gulf Bank NA (#3206) reaches 177 ZIP codes: Texas 3 counties, 177 ZIPs.
Texas Gulf Bank NA (#3206) largest markets: Harris County, TX (429 branches, 143 ZIPs) (#3206), Brazoria County, TX (105 branches, 21 ZIPs) (#3206), Galveston County, TX (19 branches, 19 ZIPs) (#3206).
Texas Gulf Bank NA (#3206) reports $726.9 million in total assets; Texas Gulf Bank NA (#3206) equity $81.9 million (11.3% of Texas Gulf Bank NA (#3206) assets); Texas Gulf Bank NA (#3206) domestic deposits $638.6 million; Texas Gulf Bank NA (#3206) net income $3.7 million; Texas Gulf Bank NA (#3206) return on assets 1.03%; Texas Gulf Bank NA (#3206) return on equity 9.15%; Texas Gulf Bank NA (#3206) net interest income $14.1 million; Texas Gulf Bank NA (#3206) call report June 30, 2026.
Texas Gulf Bank NA (#3206) noncurrent real-estate loans 0.10% of its book; Texas Gulf Bank NA (#3206) residential 0.22%; Texas Gulf Bank NA (#3206) net charge-offs on real estate 0.00%.
Texas Gulf Bank NA (#3206) net interest margin 4.06% against an eight-quarter Texas Gulf Bank NA (#3206) average of 3.64% (Texas Gulf Bank NA (#3206) compression -0.42 points); Texas Gulf Bank NA (#3206) real-estate loans 10.2% of equity; Texas Gulf Bank NA (#3206) rate-exposure score 40/100, Texas Gulf Bank NA (#3206) fixed-rate trap 40/100; Texas Gulf Bank NA (#3206) risk type credit driven; Texas Gulf Bank NA (#3206) rate regime rates elevated, Texas Gulf Bank NA (#3206) snapshot October 20, 2026.
Texas Gulf Bank NA (#3206) stress score moved from 65.7 on June 22, 2026 to 65.5 on October 20, 2026; Texas Gulf Bank NA (#3206) ranged 65.5 to 65.7 over 117 snapshots.
Texas Gulf Bank NA (#3206) alerts: 3 counties; top Texas Gulf Bank NA (#3206) alert scores: Houston County, TX 25 (low); Friendswood County, TX 20 (low); West Columbia County, TX 20 (low).