Gulf Capital Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Other borrowed money climbed 50.0% in Q2 2026, from $10.0M to $15.0M. It was the largest change from Q1 2026 among the key lines here. Gulf Capital Bank ranks 155th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 75.56% (Q2 2026). Gulf Capital Bank reported 75.56% on loan-to-deposit ratio for Q2 2026, 5.28 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $14.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $214.5M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $15.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.51% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 75.56% |
| Net loans and leases to deposits | 74.76% |
| Loans and leases to core deposits | 94.19% |
| Core deposits to total deposits | 59.49% |
| Brokered deposits to total deposits | 20.73% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 64.20% | 67.30% | $0 | $70.0M |
| Q4 2023 | 52.38% | 68.70% | $0 | $90.0M |
| Q1 2024 | 49.07% | 70.48% | $0 | $50.0M |
| Q2 2024 | 58.93% | 62.65% | $0 | $96.5M |
| Q3 2024 | 53.48% | 61.29% | $0 | $75.0M |
| Q4 2024 | 48.26% | 64.51% | $0 | $30.0M |
| Q1 2025 | 64.01% | 62.87% | $0 | $70.0M |
| Q2 2025 | 69.85% | 57.21% | $0 | $69.0M |
| Q3 2025 | 72.48% | 57.62% | $0 | $40.0M |
| Q4 2025 | 71.18% | 57.09% | $0 | $10.0M |
| Q1 2026 | 72.14% | 56.26% | $0 | $10.0M |
| Q2 2026 | 75.56% | 59.49% | $0 | $15.0M |
Gulf Capital Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Gulf Capital Bank, freeSource: Call Report Schedules RC and RC-M, 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)