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The Lender Report built this page from public records. Golden Bank, National Association has not reviewed it. Every lender's page starts this way, and it says nothing about Golden Bank, National Association itself. Each figure shows its source and date. Work at Golden Bank, National Association? You can claim this page for free.
Bank, Houston, TX
Golden Bank, National Association
A bank based in Houston, TX. Its commercial book is led by non-owner-occupied CRE and owner-occupied CRE. Public files show recent multifamily, 1-4 unit investor, SBA 7(a) and SBA 504 loans it made.
- Kind
- Bank
- Data as of
- June 30, 2026
- Page last changed
- November 12, 2026
- Commercial book
- $1.74B
- FDIC call report,
- Holds, not loans made
- Multifamily loans made, 2025
- 1
- HMDA,
- HMDA, 5 or more units
- SBA loans, 36 months
- 30
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $2.28B
- FDIC call report,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 713-777-3838 From the lender's website, retrieved November 9, 2026. Source page
- Website
- goldenbank-na.comFrom the FDIC record, November 9, 2026.
- Commercial lending page
- goldenbank-na.comFrom the lender's website, retrieved November 11, 2026.
- Names it files under
- GOLDEN BANK NATIONAL ASSOCIATI; Golden Bank National AssociationFDIC institution record,
- Address
- 9315 Bellaire Blvd, Houston, TX 77036FDIC institution record,
- Regulator record
- FDIC BankFind
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
What changed. Golden Bank, National Association's C&I balance rose 24.7% to $37.6M in the quarter ended June 30, 2026. FDIC call reports,
| When | What the record shows | Source |
|---|---|---|
| Oct 2023 to Sep 2026 | SBA 7(a) approvals by processing method: 11 under Preferred Lender authority.SBA ProcessingMethod field, net of cancellations. | SBA FOIA, |
| Jun 2025 to Jun 2026 | Non-owner-occupied CRE balance rose 14.2% to $801.9M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Owner-occupied CRE balance rose 5.5% to $601.4M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Construction and land development balance rose 19.9% to $221.2M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| 2023-10 to 2026-09 | Named as the lender on 6 mortgages recorded in New York City.exact normalized lender name and state, or a reviewed alias | NYC ACRIS recorded mortgages |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Sep 2026 | Arizona | SBA 7(a), Plumbing, Heating, and Air-Conditioning Contractors | $850K | 8% | 25 yr | SBA FOIA | |
| Jul 2026 | Arizona | SBA 7(a), Plumbing, Heating, and Air-Conditioning Contractors | $620K | 8% | 25 yr | SBA FOIA | |
| Mar 2026 | California | SBA 504, Home Health Care Services | $530K | 25 yr | SBA FOIA | ||
| Jan 2026 | Texas | SBA 7(a), General Automotive Repair | $1.7M | 7.75% | 25 yr | SBA FOIA | |
| 2025 | Harris County, TX | Other purpose, 150 or more units | $13M | HMDA 2025 | |||
| Sep 2025 | Texas | SBA 504, Wholesale Trade | $3.4M | 25 yr | SBA FOIA | ||
| Sep 2025 | California | SBA 504, Gasoline Stations with Convenience Stores | $3.1M | 25 yr | SBA FOIA | ||
| Sep 2025 | California | SBA 504, Gasoline Stations with Convenience Stores | $1M | 25 yr | SBA FOIA | ||
| Aug 2025 | California | SBA 504, Child Care Services | $490K | 25 yr | SBA FOIA | ||
| Jul 2025 | California | SBA 7(a), Limited-Service Restaurants | $100K | 9.5% | 9 yr | SBA FOIA | |
| Jun 2025 | California | SBA 504, Elementary and Secondary Schools | $1.1M | 25 yr | SBA FOIA | ||
| Jun 2025 | Texas | SBA 7(a), Other Miscellaneous Durable Goods Merchant Wholesalers | $820K | 8.25% | 25 yr | SBA FOIA | |
| Mar 2025 | California | SBA 7(a), Other Accounting Services | $800K | 9% | 10 yr | SBA FOIA | |
| Feb 2025 | California | SBA 504, Other Services (except Public Administration) | $560K | 25 yr | SBA FOIA | ||
| 2024 | Los Angeles County, CA | Other purpose, 5 to 24 units | $6.8M | HMDA 2024 | |||
| 2024 | Los Angeles County, CA | Purchase, 25 to 49 units | $5M | HMDA 2024 | |||
| Dec 2024 | California | SBA 504, Gasoline Stations with Convenience Stores | $2.5M | 25 yr | SBA FOIA | ||
| Dec 2024 | California | SBA 504, Offices of Lawyers | $1.8M | 25 yr | SBA FOIA | ||
| 2024 | Harris County, TX | Purchase, 5 to 24 units | $1.7M | HMDA 2024 | |||
| 2024 | Los Angeles County, CA | Purchase, 5 to 24 units | $1.2M | HMDA 2024 | |||
| Dec 2024 | California | SBA 7(a), Veterinary Services | $500K | 9.75% | 10 yr | SBA FOIA | |
| 2024 | Merced County, CA | Cash-out refinance, 5 to 24 units | $500K | HMDA 2024 | |||
| Nov 2024 | California | SBA 504, Automotive Body, Paint, and Interior Repair and Maintenance | $3.1M | 25 yr | SBA FOIA | ||
| Aug 2024 | California | SBA 504, Gasoline Stations with Convenience Stores | $5.5M | 25 yr | SBA FOIA | ||
| Aug 2024 | California | SBA 504, Roofing Contractors | $710K | 25 yr | SBA FOIA | ||
| 18 SBA 504 first liens since October 2023, net of cancelled | $39.0M | SBA FOIA | |||||
A blank means the source did not report it.
Recorded mortgages, New York City
NYC ACRIS, September 30, 2026
Mortgages recorded in New York City in which this lender is named as the lender. A recorded document is not the whole of a lender's activity and is not joined to HMDA or SBA data.
- 6 mortgages recorded in New York City (the five boroughs) from Oct 2023 to Sep 2026 name Golden Bank, National Association as the lender, totaling $23.1M.
- 3 of them were recorded in the latest 12 months of that window.
| Property class | Mortgages | Dollars |
|---|---|---|
| Hotel | 2 | $15.0M |
| Retail | 2 | $3.60M |
| Industrial | 1 | $740K |
| Other | 1 | $4.00M |
| Borough | Mortgages |
|---|---|
| Queens | 5 |
| Manhattan | 1 |
How these documents were tied to this lender: exact normalized lender name and state, or a reviewed alias.
What it holds
FDIC call report, June 30, 2026
| Book | Holds | Of its loans | Year over year |
|---|---|---|---|
| Multifamily | $75.2M | 3.9% | +6.6% |
| Construction and land development | $221M | 11.4% | +19.9% |
| Owner-occupied CRE | $601M | 31.1% | +5.5% |
| Non-owner-occupied CRE | $802M | 41.5% | +14.2% |
| Farmland | $2.26M | 0.1% | -2.8% |
| Commercial and industrial | $37.6M | 1.9% | +19.4% |
| Commercial total | $1.74B |
Reference only: $197M of 1-4 family residential loans, which call reports cannot split owner-occupied from investor. Excluded from the totals above.
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $1.22B |
| Q4 2023 | $1.27B |
| Q1 2024 | $1.31B |
| Q2 2024 | $1.36B |
| Q3 2024 | $1.40B |
| Q4 2024 | $1.49B |
| Q1 2025 | $1.54B |
| Q2 2025 | $1.56B |
| Q3 2025 | $1.61B |
| Q4 2025 | $1.66B |
| Q1 2026 | $1.71B |
| Q2 2026 | $1.74B |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| Multifamily, 5 or more units | 2025 | 1 | $13M | $13M | $13M | HMDA, |
| Multifamily, 5 or more units | 2024 | 5 | $15.3M | $1.73M | HMDA, | |
| 1-4 unit investor or business purpose | 2025 | 11 | $10.2M | $805K | HMDA, | |
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 12 | $8.67M | $708K | $1.7M | SBA FOIA, |
| SBA 7(a), net of cancelled | 12 months to Sep 2026 | 3 | $3.20M | SBA FOIA, | ||
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 18 | $39.0M | $1.69M | $5.5M | SBA FOIA, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 7(a) loans: its FDIC certificate number. SBA 504 first liens: name and lender office city.
| Industry | Loans | Dollars |
|---|---|---|
| Gasoline Stations with Convenience Stores | 6 | $14.2M |
Other lenders in these fields: SBA lenders for gas stations and convenience stores.
Programs on record: Federal Home Loan Bank member, Dallas district (FHFA).
Undrawn commitments
FFIEC Call Report, June 30, 2026
- Golden Bank, National Association reported commitments to fund construction loans that had not been drawn at June 30, 2026: $15,274,000 for 1-4 family residential construction and $119,935,000 for commercial real estate, other construction and land development (FFIEC Call Report). A commitment is an agreement to fund a loan if it is drawn. It is not a loan made.
- Undrawn commitments to commercial and industrial borrowers at June 30, 2026: $13,511,000. These are credit lines not yet used.
Small loans it holds, by original size
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30, June 30, 2026
Loans held on the report date, grouped by the amount when each loan was made. Not loans made in a period.
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 23 | $264K |
| Over $100,000 up to $250,000 | 20 | $915K |
| Over $250,000 up to $1 million | 55 | $12.5M |
| Original amount | Loans | Holds |
|---|---|---|
| Over $100,000 up to $250,000 | 8 | $923K |
| Over $250,000 up to $1 million | 150 | $69.7M |
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| California | 6 | 0 | 8 | 5 | 16 |
| Texas HQ | 5 | 1 | 3 | 5 | 1 |
| Arizona | 0 | 0 | 0 | 2 | 1 |
Offices by county
FDIC Summary of Deposits, June 30, 2026
- Golden Bank, National Association has 11 offices in 9 counties and 2 states (FDIC Summary of Deposits, June 30, 2026): 11 full service and 0 limited service.
| County | Full-service offices | Limited-service offices |
|---|---|---|
| Los Angeles County, CA | 2 | 0 |
| Harris County, TX | 2 | 0 |
| Alameda County, CA | 1 | 0 |
| Orange County, CA | 1 | 0 |
| San Mateo County, CA | 1 | 0 |
| Santa Clara County, CA | 1 | 0 |
| Collin County, TX | 1 | 0 |
| Dallas County, TX | 1 | 0 |
| Fort Bend County, TX | 1 | 0 |
Loan production offices are not in this file. A bank with no office here can still lend here.
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Estimated largest single loan | $50.4M | $27.8M to $65.8M across 8 peers | Estimate: 15% of tier 1 capital plus allowance. A further 10% is allowed with readily marketable collateral, and state-chartered banks follow state limits. Not a limit the lender has stated. | FDIC call report, 12 CFR 32.3, Jun 30, 2026 |
| CRE to capital | 326.6% | 139.5% to 389.8% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by tier 1 capital plus allowance. | FDIC call report, |
| Construction to capital | 65.8% | 32.8% to 105.1% across 8 peers | Construction loans divided by tier 1 capital plus allowance. | FDIC call report, |
| Loans to deposits | 101.2% | 59.8% to 102.3% across 8 peers | Total loans divided by total deposits. | FDIC call report, |
| Unused CRE commitments | $135M | $43.6M to $268M across 8 peers | Commitments to lend on commercial real estate that are not yet drawn. | FDIC call report, |
| Loans to assets | 85.0% | 52.0% to 88.2% across 8 peers | Total loans divided by total assets. | FDIC call report, |
Our calculation: construction, multifamily and non-owner-occupied nonfarm nonresidential loans, divided by tier 1 capital plus the allowance for loan losses. It is not the test in the 2006 interagency guidance on commercial real estate concentrations (December 12, 2006; OCC Bulletin 2006-46, Federal Reserve SR 07-1). That guidance measures against total risk-based capital, also counts loans that finance commercial real estate but are not secured by real estate, and looks more closely when construction and land loans reach 100% of that capital, or commercial real estate loans reach 300% of it and have grown 50% or more in the prior 36 months. This figure uses a different capital base, leaves out the unsecured loans and applies no growth condition. The guidance sets no limit on lending. Not a rating, and not a statement about safety or deposits.
Loan channel and SBA processing
Public record only
- Preferred Lender authority
- 11 loans (91.7%)
- Approval to first disbursement
- 31 days, median of 11
SBA FOIA, SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Extraco Banks, National Association | TX | $2.57B | $516M |
| Texas Community Bank | TX | $2.20B | $956M |
| North Dallas Bank & Trust Co. | TX | $1.81B | $958M |
| American First National Bank | TX | $2.89B | $2.33B |
| American National Bank & Trust | TX | $2.54B | $1.40B |
| Horizon Bank, SSB | TX | $2.55B | $1.36B |
| Southwestern National Bank | TX | $1.39B | $1.09B |
| Citizens National Bank of Texas | TX | $2.19B | $1.46B |
What we don't know
- Whether it is taking new loans today, or on what terms.
- How much of its book it made recently. Call reports carry balances, not loans made.
- Which of its commercial real estate is office, retail, industrial or hotel. Call reports do not split the book by property type.
- How its 1-4 family loans divide between owner-occupied and investor.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
Check this page
Against the regulator's own record
- Name and charter. Golden Bank, National Association, FDIC certificate 26223. Compare it with the regulator's record. [FDIC BankFind]
- Balances. $2.28B in total assets and $1.74B in commercial loans held, from the call report for June 30, 2026. [Source]
- Loans made. 47 recorded loans from HMDA and SBA files, through September 30, 2026: 1 HMDA multifamily 2025, 5 HMDA multifamily 2024, 11 HMDA 1-4 unit investor 2025, 12 SBA 7(a) in 36 months, 18 SBA 504 first liens in 36 months. Each has its source and date. [How each file was tied to Golden Bank, National Association]
- Phone and website. Phone 713-777-3838, from the lender's website on November 9, 2026. Website goldenbank-na.com, from the FDIC record. [How to reach them]
- Recorded mortgages, New York City. 6 recorded mortgages in New York City under this name. [Source]
Something wrong? Report it with evidence. It is free, and it works the same for every lender whether it pays or not. Report an error
For the record
Data as of June 30, 2026. Page last changed November 12, 2026.
- Regulator
- Office of the Comptroller of the Currency
- FDIC certificate
- 26223
- RSSD
- 536059
- LEI
- 549300GYMDP10GGMLF50
- The Lender Report ID
- lr_000793
- FDIC classifies this bank as
- Commercial Lending Specialization
- Ownership
- Stock
- Head office metro area
- Houston-The Woodlands-Sugar Land, TX
FDIC institution record, The classification is FDIC's description of the balance sheet. It is not a statement about what the bank will lend on.
- Reported $2.3B in total assets as of June 30, 2026 (FDIC call report).
- Held $1.7B of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report).
- Held $801.9M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 14.2% from a year earlier (FDIC call report).
- Held $601.4M of owner-occupied commercial real estate loans as of June 30, 2026, up 5.5% from a year earlier (FDIC call report).
- Held $221.2M of construction and land loans as of June 30, 2026, up 19.9% from a year earlier (FDIC call report).
- Originated 1 multifamily loan totaling $13M in 2025 (HMDA).
9 more sentences
- Originated 5 multifamily loans totaling $15.3M in 2024 (HMDA).
- Originated 11 1-4 unit investor or business-purpose loans totaling $10.2M in 2025 (HMDA).
- Recorded 12 SBA 7(a) approvals totaling $8.7M from October 1, 2023 to September 30, 2026 (SBA).
- Provided the first lien on 18 SBA 504 projects with $39M in first-lien dollars from October 1, 2023 to September 30, 2026 (SBA).
- Listed 11 offices in 2 states (FDIC).
- Held 98 commercial and industrial loans that were $1 million or less when made, with a balance of $13.7M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Held 158 loans secured by nonfarm nonresidential property that were $1 million or less when made, with a balance of $70.6M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Reported commitments to fund construction loans that had not been drawn at June 30, 2026: $15.3M for 1-4 family and $119.9M for commercial and other construction (FFIEC Call Report). A commitment is not a loan made.
- Named as the lender on 6 mortgages recorded in New York City from 2023-10 to 2026-09, totaling $23.1M (NYC Department of Finance, ACRIS).
Cite this
Source: The Lender Report, Golden Bank, National Association, https://lender.report/lender/golden-bank-tx/, data as of June 30, 2026.
Sources
- FDIC institution record, November 9, 2026
- FDIC office list, October 28, 2026
- FDIC call report, June 30, 2026
- FDIC call report, June 30, 2025
- HMDA, 2025
- SBA FOIA, September 30, 2026
- FFIEC Call Report, June 30, 2026
- FDIC call reports, June 30, 2026
- FFIEC CRA disclosure data, 2024
- FDIC Summary of Deposits, June 30, 2026
- NYC ACRIS recorded mortgages, September 30, 2026
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Work at Golden Bank, National Association? Claim this page, free.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem