GULF CAPITAL BANK

HOUSTON, TX | Medium | Est. Dec. 18, 2019, midnight | FDIC #59185 | RSSD #5382514 | FDIC
Latest Report: 2025-12-31

GULF CAPITAL BANK is amn medium FDIC-insured commercial bank headquartered in HOUSTON, TX, established in Dec. 18, 2019, midnight. As of 2025-12-31, the bank reported total assets of $589M and total deposits of $494M. Profitability stands at 1.60% ROA and 12.12% ROE, with a net interest margin of 3.27%. The bank's CET1 capital ratio is 16.64%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.71% and a Texas Ratio of 3.02%. FDIC Certificate #59185.

Assets

$589M

Deposits

$494M

Loans

$351M

Equity

$79M

Profitability

Return on Assets (ROA) 1.60%
Return on Equity (ROE) 12.12%
Net Interest Margin (NIM) 3.27%
Yield on Assets 6.73%
Cost of Funds 3.71%

Asset Quality

NPL Ratio 0.71%
Net Charge-Off Ratio -0.93%
Texas Ratio 3.02%
NPA Ratio 0.42%
ACL / Loans 1.16%

Capital & Liquidity

CET1 Ratio 16.64%
Tier 1 Capital 16.64%
Total Capital Ratio 17.60%
Leverage Ratio 12.87%
Loan-to-Deposit 71.18%

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