Gulf Capital Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 15.9% lower than in Q1 2026, at -$3.3M. Within Texas, Gulf Capital Bank is 95th of 184 on CET1 ratio, 16.72% as of Q2 2026, below the middle of the field. Gulf Capital Bank reported 16.72% on CET1 ratio for Q2 2026, 1.65 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.72% |
| Tier 1 risk-based capital ratio | 16.72% |
| Total risk-based capital ratio | 17.63% |
| Tier 1 leverage ratio | 13.78% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $82.2M |
| Tier 1 capital | $82.2M |
| Total risk-based capital | $86.7M |
| Total equity capital | $79.0M |
| Risk-weighted assets | $491.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.24% |
| Tangible equity to tangible assets | 13.24% |
| Equity capital to average assets | 13.23% |
| Internal capital growth rate | 6.63% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $9.3M |
| Common stock surplus | $85.5M |
| Retained earnings | -$12.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.3M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 20.73% | 20.73% | 21.99% | 15.30% | $389.2M |
| Q4 2023 | 20.10% | 20.10% | 21.00% | 13.72% | $378.4M |
| Q1 2024 | 20.96% | 20.96% | 21.91% | 13.65% | $358.7M |
| Q2 2024 | 19.43% | 19.43% | 20.33% | 14.10% | $388.4M |
| Q3 2024 | 20.06% | 20.06% | 21.08% | 13.84% | $378.0M |
| Q4 2024 | 21.20% | 21.20% | 22.02% | 14.05% | $359.6M |
| Q1 2025 | 18.09% | 18.09% | 18.90% | 14.11% | $423.5M |
| Q2 2025 | 16.72% | 16.72% | 17.53% | 12.96% | $460.7M |
| Q3 2025 | 17.10% | 17.10% | 17.96% | 12.84% | $454.7M |
| Q4 2025 | 16.64% | 16.64% | 17.60% | 12.87% | $481.3M |
| Q1 2026 | 16.51% | 16.51% | 17.50% | 13.65% | $490.0M |
| Q2 2026 | 16.72% | 16.72% | 17.63% | 13.78% | $491.9M |
Gulf Capital Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Gulf Capital Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Gulf Capital Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59185) · FFIEC NIC profile (RSSD 5382514)