Golden Bank, National Association

Golden Bank, National Association is a minority-owned community bank headquartered in Houston, TX, serving businesses primarily across Texas. Its commercial lending lineup covers a practical range of needs: lines of credit, term loans, equipment finance, commercial real estate financing, and construction finance — plus SBA loans for borrowers who qualify. The OCC rated Golden Bank 'Outstanding' on both its Lending Test and Community Development Test in a CRA Performance Evaluation, a meaningful signal of its commitment to serving local business owners, including underserved communities. Specific rate ranges, minimum revenue thresholds, and credit score requirements are not publicly disclosed, so prospective borrowers will need to contact the bank directly to gauge fit. Golden Bank appears well suited for Texas-based small businesses — particularly minority-owned firms — looking for a relationship-oriented community bank with a demonstrated record of community lending.