Gulf Capital Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) climbed 28.37 percentage points in Q2 2026, from 194.64% to 223.00%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Gulf Capital Bank is 155th of 346 on loan-to-deposit ratio, 75.56% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Gulf Capital Bank sits 5.28 points lower, at 75.56% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $375.8M |
| Net loans and leases | $371.8M |
| Loans held for sale | $0 |
| Loans to total assets | 63.00% |
| Loan-to-deposit ratio | 75.56% |
| Net loans to equity capital | 4.71% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 44.63% |
| Multifamily (5+ residential) | 3.62% |
| Commercial and industrial | 21.61% |
| Consumer | 1.00% |
| Credit cards | 0.00% |
| Farm | 0.72% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 223.00% |
| Construction concentration (Tier 1 capital + allowance) | 91.61% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.91% |
| Interest income on loans | $6.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $253.0M | $394.1M | 20.13% | 67.68% | 0.15% |
| Q4 2023 | $217.2M | $414.6M | 23.81% | 64.97% | 0.14% |
| Q1 2024 | $202.6M | $412.9M | 21.12% | 67.63% | 0.10% |
| Q2 2024 | $222.1M | $376.9M | 19.81% | 66.18% | 0.04% |
| Q3 2024 | $209.5M | $391.8M | 21.11% | 63.26% | 0.04% |
| Q4 2024 | $209.5M | $434.1M | 23.73% | 56.88% | 0.06% |
| Q1 2025 | $269.6M | $421.1M | 33.69% | 44.55% | 0.08% |
| Q2 2025 | $304.3M | $435.6M | 35.28% | 43.02% | 0.20% |
| Q3 2025 | $333.2M | $459.7M | 37.01% | 34.57% | 0.25% |
| Q4 2025 | $351.4M | $493.6M | 41.52% | 29.99% | 0.49% |
| Q1 2026 | $365.6M | $506.9M | 42.33% | 29.93% | 0.55% |
| Q2 2026 | $375.8M | $497.3M | 44.63% | 21.61% | 1.00% |
Gulf Capital Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Gulf Capital Bank, freeSource: Call Report Schedule RC-C, 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)