Gulf Capital Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.32 percentage points to 3.46%. Within Texas, Gulf Capital Bank is 269th of 345 on net interest margin, 3.46% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Gulf Capital Bank sits 0.49 points lower, at 3.46% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.12% |
| Yield on loans | 6.91% |
| Yield on securities | 4.90% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.07% |
| Cost of interest-bearing deposits | 3.44% |
| Cost of interest-bearing liabilities | 3.56% |
| Cost of borrowings | 3.82% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.46% |
| Yield to cost spread | 2.56% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.3M |
| Total interest expense | $3.9M |
| Interest expense on deposits | $3.7M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.99% | 4.02% | 2.54% | 8.10% | 3.87% |
| Q4 2023 | 5.78% | 4.26% | 2.00% | 7.57% | 4.24% |
| Q1 2024 | 5.74% | 4.28% | 1.93% | 7.88% | 4.27% |
| Q2 2024 | 5.90% | 4.20% | 2.19% | 7.92% | 4.51% |
| Q3 2024 | 6.06% | 4.12% | 2.43% | 8.27% | 4.49% |
| Q4 2024 | 5.88% | 3.68% | 2.61% | 7.95% | 4.40% |
| Q1 2025 | 5.74% | 3.43% | 2.73% | 7.38% | 4.42% |
| Q2 2025 | 6.43% | 3.59% | 2.95% | 8.01% | 5.00% |
| Q3 2025 | 6.06% | 3.64% | 2.87% | 7.37% | 4.54% |
| Q4 2025 | 5.92% | 3.48% | 2.87% | 7.02% | 4.54% |
| Q1 2026 | 5.89% | 3.14% | 3.14% | 6.70% | 4.61% |
| Q2 2026 | 6.12% | 3.07% | 3.46% | 6.91% | 4.90% |
Gulf Capital Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Gulf Capital Bank, freeSource: Call Report Schedules RI and RC-K, 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)