Bank · FDIC insured
Texas Gulf Bank
A $726.9M bank headquartered in Houston, TX, with 9 branches in Texas. Best rates: CDs 3.56% and savings 0.65% APY.
Texas Gulf Bank Carrot Score
71
Carrot Score
Higher than 28% of U.S. banks and credit unions
#82 of 107 in Houston, TX metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Texas Gulf Bank
Chartered in 1913, Texas Gulf Bank is an independently owned and operated community bank with locations in Harris, Galveston, and Brazoria counties.
Originally chartered as Freeport National Bank and later renamed First Freeport National Bank, its holding company became Texas Gulf Bancshares before merging its subsidiary banks under the name Texas Gulf Bank, NA in 1990.
- Headquarters
- 1626 S Voss Rd, Houston, TX 77057
- FDIC certificate
- 3206 ↗
Branches
9 branches in Texas
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Texas
9 branches
- Texas Gulf Bank, National AssociationMain office1626 S Voss Rd, Houston, TX 77057Directions
- Angleton Branch1717 N Velasco St, Angleton, TX 77515Directions
- Clute Branch1030 Dixie Dr, Clute, TX 77531Directions
- Freeport Branch1400 N Brazosport Blvd, Freeport, TX 77541Directions
- Friendswood Branch1003 S Friendswood Dr, Friendswood, TX 77546Directions
- Citycentre Branch900 Town And Country Ln, Houston, TX 77024Directions
- Texas Gulf Bank, N.A. - Houston Branch2517 River Oaks Blvd, Houston, TX 77019Directions
- Lake Jackson Branch203 This Way St, Lake Jackson, TX 77566Directions
- West Columbia109 East Brazos Avenie, West Columbia, TX 77486Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.98% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.00% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.03% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $79 | $81 | — |
- CapitalLeverage ratio11.98%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.00%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.03%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$79Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Texas Gulf Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.