Gulf Capital Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 397.92 percentage points higher than in Q1 2026, at 553.35%. Gulf Capital Bank ranks 279th of 345 Texas banks on return on assets, in the lower half at 0.87% (Q2 2026). Gulf Capital Bank reported 0.87% on return on assets for Q2 2026, 0.39 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.72% |
| Tier 1 risk-based capital ratio | 16.72% |
| Total risk-based capital ratio | 17.63% |
| Tier 1 leverage ratio | 13.78% |
| Equity capital to assets | 13.24% |
| Tangible equity to tangible assets | 13.24% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.19% |
| Non-performing assets ratio | 0.12% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 2.95% |
| Allowance for credit losses to loans | 1.05% |
| Reserve coverage of non-performing loans | 553.35% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.87% |
| Return on equity | 6.60% |
| Net interest margin | 3.46% |
| Efficiency ratio | 80.59% |
| Yield on earning assets | 6.12% |
| Cost of funds | 3.07% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 75.56% |
| Core deposits to total deposits | 59.49% |
| Brokered deposits to total deposits | 20.73% |
| Deposits to assets | 83.38% |
| Securities to assets | 33.46% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 20.73% | 20.73% | 21.99% | 15.30% | -2.73% |
| Q4 2023 | 20.10% | 20.10% | 21.00% | 13.72% | -3.40% |
| Q1 2024 | 20.96% | 20.96% | 21.91% | 13.65% | -0.67% |
| Q2 2024 | 19.43% | 19.43% | 20.33% | 14.10% | 0.21% |
| Q3 2024 | 20.06% | 20.06% | 21.08% | 13.84% | 0.21% |
| Q4 2024 | 21.20% | 21.20% | 22.02% | 14.05% | 0.29% |
| Q1 2025 | 18.09% | 18.09% | 18.90% | 14.11% | 0.26% |
| Q2 2025 | 16.72% | 16.72% | 17.53% | 12.96% | 0.28% |
| Q3 2025 | 17.10% | 17.10% | 17.96% | 12.84% | 0.44% |
| Q4 2025 | 16.64% | 16.64% | 17.60% | 12.87% | 1.50% |
| Q1 2026 | 16.51% | 16.51% | 17.50% | 13.65% | 0.55% |
| Q2 2026 | 16.72% | 16.72% | 17.63% | 13.78% | 0.87% |
Gulf Capital Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Gulf Capital Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)