Gulf Capital Bank
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Data as of · sourced from FFIEC call reports. How we update
Gulf Capital Bank is an FDIC-insured commercial bank headquartered in Houston, TX, established in 2019 (FDIC certificate 59185), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $596.5M, up 2.4% from Q2 2025, the 141st largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 16.72% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 59185
- Headquarters
- Houston, TX
- Established
- 2019
- Total assets, Q2 2026
- $596.5M
- Assets vs Q2 2025
- +2.4%
- CET1 ratio, Q2 2026
- 16.72%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 113026201
- Latest call report
- Q2 2026, FFIEC 051 · Gulf Capital Bank call report
- Asset rank in state
- 141st of 346 in Texas
Gulf Capital Bank pays more for its money than most banks of its size. Its balance sheet stood at $596 million at June 30, 2026, up 2.4% from a year earlier; it is based in Houston, Texas. It pays an average of 3.07% on its deposits and borrowings, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also grew its loan book 23.5% over the year, 4.3 times the median of 5.5% for banks its size.
Its $81 million commercial and industrial book is now fully current, after 3.44% of it was past due or on nonaccrual a year earlier. Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.65% of loans from 1.33%. Costs are the weak spot: it spends about 81 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, Gulf Capital Bank reported a CET1 capital ratio of 16.72%, a return on assets of 0.87%, a nonperforming-loan ratio of 0.65% and a Texas ratio of 2.95%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Gulf Capital Bank is the 141st largest of the 346 banks headquartered in Texas. From Q1 2026 to Q2 2026, its total assets fell 0.9% to $596.5M, loans rose 2.8% and deposits fell 1.9%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 26.1% of total loans, ahead of commercial and industrial loans at 21.6%. Its one office in the FDIC Summary of Deposits is in Houston, TX. By the capital ratios in its Q2 2026 call report, Gulf Capital Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1 Riverway, Houston, TX 77056
- County
- Harris
- Metro Area
- Houston-Pasadena-The Woodlands, TX
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- December 18, 2019
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 68
- Domestic deposits
- $497.3M
- Allowance for credit losses
- $4.0M
- Net charge-offs (YTD)
- $0
- Average total assets
- $596.9M
- Average total loans
- $365.7M
- Average interest-bearing deposits
- $405.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 18, 2019
- FDIC Cert
- 59185
- Fed RSSD
- 5382514
- Website
- www.gulfcapitalbank.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Gulf Capital Bank's total assets ranged from $534.3M (Q1 2024) to $601.9M (Q1 2026), and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$596.5M total assets against $582.2M; $517.5M total liabilities against $509.7M.
$371.8M net loans and leases against $300.9M; $497.3M total deposits against $435.6M.
$199.6M securities against $256.5M; $14.9M cash and balances due against $10.6M.
$9.0M total interest income against $8.5M; $3.9M total interest expense against $4.6M.
$5.1M net interest income against $3.9M.
$188K total noninterest income against $225K; $4.2M total noninterest expense against $3.5M.
-$331K provision for credit losses against $261K.
$1.3M net income against $411K.
0.87% return on assets against 0.28%; 3.46% net interest margin against 2.95%.
16.72% CET1 capital ratio against 16.72%; 13.78% tier 1 leverage ratio against 12.96%.
Inside the full Gulf Capital Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Gulf Capital Bank rankings
Its closest position to the top of a national ranking is 621 of 2,134, for CET1 ratio; its furthest is 3,269 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.21% (Q3 2024) to 1.50% (Q4 2025) and its net interest margin ran from 2.43% (Q3 2024) to 3.46% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.72% | 0.87% | 0.65% | 2.95% | 3.46% |
| Q1 2026 | 16.51% | 0.55% | 0.85% | 3.78% | 3.14% |
| Q4 2025 | 16.64% | 1.50% | 0.71% | 3.02% | 2.87% |
| Q3 2025 | 17.10% | 0.44% | 1.15% | 4.87% | 2.87% |
| Q2 2025 | 16.72% | 0.28% | 1.33% | 5.33% | 2.95% |
| Q1 2025 | 18.09% | 0.26% | 1.50% | 5.37% | 2.73% |
| Q4 2024 | 21.20% | 0.29% | 2.12% | 6.18% | 2.61% |
| Q3 2024 | 20.06% | 0.21% | 2.64% | 7.29% | 2.43% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Gulf Capital Bank (main office) | Houston , TX | 77056 | $497.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 189 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Gulf Capital Bank
What are Gulf Capital Bank's total assets?
As of the Q2 2026 filing, Gulf Capital Bank reported total assets of $596.5 million in its FFIEC call report.
Where is Gulf Capital Bank headquartered?
It is headquartered in Houston, TX, United States.
When was Gulf Capital Bank founded?
It was established in 2019, per the FDIC institution directory.
Is Gulf Capital Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #59185). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Gulf Capital Bank?
Gulf Capital Bank's primary federal regulator is the FDIC.
What is Gulf Capital Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.72% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Gulf Capital Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Gulf Capital Bank's Texas Ratio?
Its Texas Ratio is 2.95% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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