Bank call report · Houston, TX
Gulf Capital Bank Call Report
BankRegReports is independent of Gulf Capital Bank and never asks for online banking logins or passwords.
Gulf Capital Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 278 reported line items, schedule by schedule (785 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 5382514 |
| FDIC certificate number | 59185 |
| Total assets | $596.5M |
Official Q2 2026 call report PDF (FFIEC) →
Gulf Capital Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (22 items)
About Schedule RC · Gulf Capital Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $596.5M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $596.5M |
| Total Liabilities and Minority Interest | RCON2948 | $517.5M |
| Total Deposits | RCON2200 | $497.3M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $422.4M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $375.8M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $371.8M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $199.6M |
| Surplus | RCON3839 | $85.5M |
| Total Equity Capital | RCON3210 | $79.0M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $79.0M |
| Deposits: Noninterest-bearing | RCON6631 | $74.9M |
| Other Borrowed Money | RCON3190 | $15.0M |
| Undivided Profits and Capital Reserves | RCON3632 | -$12.6M |
| Interest-bearing Balances | RCON0071 | $11.9M |
| Common Stock | RCON3230 | $9.3M |
| Other Assets | RCON2160 | $6.3M |
| Other Liabilities, Total | RCON2930 | $5.2M |
| Allowance for Loan and Lease Losses | RCON3123 | $4.0M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $3.9M |
| Accumulated Other Comprehensive Income | RCONB530 | -$3.3M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $3.1M |
Schedule RI: Income Statement (36 items)
About Schedule RI · Gulf Capital Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $17.6M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $12.4M |
| Net Interest Income | RIAD4074 | $9.7M |
| Total Noninterest Expense | RIAD4093 | $7.9M |
| Total Interest Expense | RIAD4073 | $7.9M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $6.5M |
| Salaries and Employee Benefits | RIAD4135 | $5.6M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $5.4M |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $3.7M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $2.7M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $2.6M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $2.2M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $2.2M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $2.1M |
| Net Income (Loss) | RIAD4340 | $2.1M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $2.1M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $2.1M |
| Other Noninterest Expense | RIAD4092 | $2.0M |
| Interest on Other Securities | RIAD4060 | $1.0M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $429K |
| Other Interest Expense | RIADGW44 | $403K |
| Total Noninterest Income | RIAD4079 | $399K |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $340K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $327K |
| Other Noninterest Income | RIADB497 | $270K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $151K |
| Provision for Loan and Lease Losses | RIAD4230 | -$131K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | -$131K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $120K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $120K |
| Applicable Income Taxes | RIAD4302 | $93K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $84K |
| Other Interest Income | RIAD4518 | $51K |
| Realized Gains (Losses) on Available-for-sale Debt Securities | RIAD3196 | -$34K |
| Net Servicing Fees | RIADB492 | $9K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 68 |
Schedule RC-B: Securities (30 items)
About Schedule RC-B · Gulf Capital Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $47.9M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $47.4M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $203.7M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $98.7M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $95.7M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $65.9M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $25.8M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $25.6M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $25.4M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $22.5M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $22.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $21.0M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $15.1M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $15.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $14.4M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK144 | $8.8M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK145 | $8.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $7.7M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $7.6M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $7.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $5.9M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $5.1M |
| Asset-backed Securities: Available-for-sale Amortized Cost | RCONC989 | $4.0M |
| Total (Asset-backed Securities) Fair Value - Available-for-sale | RCONC027 | $4.0M |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Amortized Cost | RCONHT60 | $3.4M |
| Structured financial products guaranteed by U.S. Government agencies or sponsored agencies included in Schedule HC-B, item 5.b -- Available-for-sale: Amortized Cost | RCONPV00 | $3.4M |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Fair Value | RCONHT61 | $3.4M |
| Guaranteed by U.S. Government Agencies or Sponsored Agencies Included in Schedule Rc-b, Item 5.B - Available-for-sale, Fair Value | RCONPV01 | $3.4M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA557 | $2.1M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $73K |
Schedule RC-C, Part I: Loans and Leases (26 items)
About Schedule RC-C, Part I · Gulf Capital Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $375.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $285.2M |
| Pledged Loans and Leases | RCONG378 | $137.7M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $115.0M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $98.2M |
| Commercial and Industrial Loans | RCON1766 | $81.3M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $69.7M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $68.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $34.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $27.5M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $16.1M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $13.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $12.6M |
| Loans to Nondepository Financial Institutions and Other Loans: Loans to Nondepository Financial Institutions | RCONJ454 | $11.4M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $10.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $8.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $3.9M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $3.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $3.5M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $3.4M |
| Real Estate Loans Secured by Farmland | RCON1420 | $2.7M |
| Loans to Finance Commercial Real Estate, Construction, and Land Development Activities Included in Items 1766, 1563 for (Fr Y-9C), in Items 1766, 1563 for (FFIEC 031), in Items 1766, 1564 for (FFIEC 032 and 033), and in Items 1766, 2080 for (FFIEC 034) | RCON2746 | $1.4M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $335K |
| Unearned Income on Loans | RCON2123 | $330K |
| Other Loans | RCONJ464 | $236K |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $118K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (8 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $8.5M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $8.2M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $1.6M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $175K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 26 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 18 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 18 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 6 |
Schedule RC-E: Deposit Liabilities (31 items)
About Schedule RC-E · Gulf Capital Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $380.7M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $301.3M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $146.4M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $132.9M |
| Total Transaction Accounts | RCON2215 | $116.6M |
| Total Demand Deposits (See Note Below) | RCON2210 | $111.6M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $111.6M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $103.1M |
| Total Brokered Deposits | RCON2365 | $103.1M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $98.3M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $95.8M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $69.5M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $65.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $62.9M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $59.8M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $49.3M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $36.1M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK06 | $34.5M |
| Total reciprocal deposits | RCONJH83 | $22.6M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $20.2M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $16.9M |
| Estimated Amount of Deposits Obtained Through the Use of Deposit Listing Services That Are Not Brokered Deposits | RCONK223 | $14.1M |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $14.1M |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $12.4M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $12.4M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $4.2M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $2.9M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $2.0M |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $789K |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK15 | $496K |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $131K |
Schedule RC-F: Other Assets (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Accrued Interest Receivable | RCONB556 | $2.2M |
| Other Assets | RCON2168 | $1.8M |
| Prepaid Expenses | RCON2166 | $1.6M |
| Net Deferred Tax Assets | RCON2148 | $1.3M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $900K |
| Accounts Receivable | RCONFT34 | $252K |
Schedule RC-G: Other Liabilities (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $2.1M |
| Operating lease liabilities | RCONLB56 | $2.0M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $1.6M |
| Other Expenses Accrued and Unpaid | RCON3646 | $939K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $529K |
| Accounts Payable | RCON3066 | $43K |
Schedule RC-K: Quarterly Averages (16 items)
About Schedule RC-K · Gulf Capital Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $596.9M |
| Quarterly Average of Total Loans | RCON3360 | $365.7M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $242.9M |
| Mortgage-backed Securities | RCONB559 | $164.6M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $142.5M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $131.8M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $103.9M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $103.1M |
| All Other Securities | RCONB560 | $30.2M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $28.1M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $24.6M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $18.2M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $16.1M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $6.2M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $3.1M |
| Quarterly Average of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RCON3353 | $15K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (9 items)
About Schedule RC-L · Gulf Capital Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $64.3M |
| All Other Off-balance Sheet Liabilities | RCON3430 | $49.0M |
| Standby Letters of Credit Issued by a Federal Home Loan Bank on the Bank's Behalf | RCONC978 | $49.0M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $29.9M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $6.9M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $3.6M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $1.5M |
| Commercial Real Estate, Construction, and Land Development: Commitments to Fund Loans Not Secured by Real Estate | RCON6550 | $500K |
| Other unused commitments: Loans to nondepository financial institutions | RCONPV11 | $178K |
Schedule RC-M: Memoranda (4 items)
About Schedule RC-M · Gulf Capital Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF056 | $10.0M |
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $5.0M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $5.0M |
| Cost of equity securities with readily determinable fair values not held for trading | RCONJA29 | $900K |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (7 items)
About Schedule RC-N · Gulf Capital Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans Secured by Other Nonfarm Nonresidential Properties, 90 or More Days Past Due and Still Accruing | RCONF181 | $1.7M |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $1.7M |
| All Other Loans - Nonaccrual | RCON5461 | $716K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty : All Other Loans - Nonaccrual | RCONK128 | $716K |
| Loans to Nondepository Financial Institutions Included in Schedule Rc-n, Item 7 - Nonaccrual | RCONPV25 | $716K |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Nonaccrual | RCONHK28 | $716K |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $716K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (8 items)
About Schedule RC-O · Gulf Capital Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $596.9M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $498.9M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $322.1M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $176.8M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $80.1M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 1,071 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 239 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · Gulf Capital Bank regulatory capital trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets Before Deductions for Excess Allowance for Loan and Lease Losses and Allocated Transfer Risk Reserve - 100% | RCONB704 | $491.9M |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (21 items)
About Schedule RC-R, Part I · Gulf Capital Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Total Assets (Net of Deductions) | RCOAA224 | $596.9M |
| Average total consolidated assets | RCOAKW03 | $596.9M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $491.9M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $94.8M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $86.7M |
| Common Equity Tier 1 Capital | RCOAP859 | $82.2M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $82.2M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $82.2M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $79.0M |
| Retained Earnings | RCOAKW00 | -$12.6M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $4.5M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $4.5M |
| Tier 2 Capital Before Deductions | RCOAP870 | $4.5M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$3.3M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$3.3M |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1763 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1672 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1672 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1378 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.0963 |
Schedule RC-R, Part II: Risk-Weighted Assets (40 items)
About Schedule RC-R, Part II · Gulf Capital Bank risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $491.9M |
| Total Risk-weighted Assets | RCONG641 | $491.9M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $449.7M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $449.7M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $395.6M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $360.3M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $360.3M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $195.6M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $150.8M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $150.8M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $148.6M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $99.5M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $49.7M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $49.7M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $38.1M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $38.1M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $30.2M |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $25.8M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $25.3M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $16.1M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $16.1M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $16.1M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $16.1M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $14.9M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $12.7M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $9.5M |
| Total All Other Assets | RCOND981 | $9.5M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $8.0M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$4.1M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$4.1M |
| On-balance Sheet Securitization Exposures, Available-for-sale Securities - Adjustments to Total Reported in Column a | RCONS481 | $4.0M |
| On-balance Sheet Securitization Exposures, Available-for-sale Securities - Ssfa Risk Weight Exposure, by Calculation Methodology | RCONS483 | $4.0M |
| Total On-balance Sheet Securitization Exposures, Available-for-sale Securities | RCONS480 | $4.0M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $3.8M |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $3.6M |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $3.6M |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $3.6M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $2.2M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $768K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $768K |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $79.0M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $78.5M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $78.5M |
| Other Comprehensive Income | RIADB511 | -$1.7M |
| Sale, Conversion, Acquisition, or Retirement of Capital Stock, Net (Excluding Treasury Stock Transactions) | RIADB509 | $32K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (2 items)
About Schedule RI-B, Part II · Gulf Capital Bank changes in allowances for credit losses trends
Gulf Capital Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Gulf Capital Bank call report?
The Gulf Capital Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Gulf Capital Bank file?
Gulf Capital Bank files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Gulf Capital Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Gulf Capital Bank has Federal Reserve RSSD ID 5382514 and FDIC certificate number 59185. Either one finds its filings on the FFIEC Central Data Repository.
How often does Gulf Capital Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Gulf Capital Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 59185) · FFIEC NIC profile (RSSD 5382514)