Gulf Capital Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Gulf Capital Bank of Houston, TX against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.87% | 1.34% | -0.47% | 26th below |
| ROAE | 6.60% | 13.32% | -6.72% | 19th bottom |
| Net Interest Margin | 3.46% | 3.93% | -0.47% | 26th below |
| Efficiency Ratio | 80.59% | 61.13% | +19.46% | 13th bottom |
| PPNR / Avg Assets | 0.68% | 1.68% | -1.00% | 12th bottom |
| Yield on Earning Assets | 6.12% | 5.67% | +0.45% | 73rd above |
| Cost of Funds | 3.07% | 1.88% | +1.19% | 5th bottom |
| Net Interest Spread | 2.56% | 3.32% | -0.76% | 16th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.19% | 0.94% | -0.75% | 65th above |
| NPA / Total Assets | 0.12% | 0.70% | -0.58% | 67th above |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.05% | 1.28% | -0.23% | 32nd below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 553.35% | 1539.30% | -985.95% | 73rd above |
| Texas Ratio | 2.95% | 7.33% | -4.38% | 54th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.72% | 19.50% | -2.78% | 62nd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.72% | 19.54% | -2.82% | 62nd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.63% | 20.62% | -2.99% | 61st above |
| Leverage Ratio | 13.78% | 12.14% | +1.64% | 80th top |
| Equity / Assets | 13.24% | 11.37% | +1.87% | 80th top |
| TCE / Tangible Assets | 13.24% | 11.09% | +2.15% | 82nd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 75.56% | 80.64% | -5.08% | 60th above |
| Core Deposit Ratio | 59.49% | 86.88% | -27.39% | 1st bottom |
| Wholesale Funding Ratio | 2.51% | 5.04% | -2.53% | 62nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.44% | 6.85% | -4.41% | 35th below |
| Loan Growth (Y/Y) | 23.51% | 7.89% | +15.62% | 95th top |
| Deposit Growth (Y/Y) | 14.18% | 6.28% | +7.90% | 90th top |
See Gulf Capital Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Gulf Capital Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Gulf Capital Bank profile, how to read a UBPR, or how this data updates.