Richwood, TX · Cert 24038 · Gulfport Bancshares of de Inc.
National charter · OCC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=21). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
95
Asset Quality
55
Profitability
59
Liquidity
0
Efficiency
14
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Richwood, TX · Cert 24038 · Gulfport Bancshares of de Inc.
National charter · OCC · 1 branch
Q2 2026
Market Position · Houston-Pasadena-The Woodlands, TX · 2026 SOD (annual) · 0.0% share · #101 of 107 inst. · $0.0B of $360.4B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.53% | 1.44% | 2.02% | 1.05% | 1.99% | 2.30% | 0.76% | 1.36% | +31 bps | |
| Return on Equity | 3.05% | 2.82% | 3.82% | 2.05% | 3.89% | 4.49% | 1.48% | 2.54% | +49 bps | |
| Net Interest Margin | 6.53% | 6.80% | 6.73% | 6.34% | 6.32% | 6.51% | 6.55% | 6.50% | +16 bps | |
| Efficiency Ratio | 90.45% | 90.88% | 88.02% | 93.01% | 91.95% | 89.67% | 95.11% | 93.18% | +17 bps | |
| Non-Interest Burden | 4.82% | 5.08% | 4.36% | 4.96% | 4.75% | 4.50% | 5.52% | 4.98% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.34% | 0.21% | -0.72% | -0.41% | 6.10% | 9.29% | 5.31% | -13.57% | -1,316 bps | |
| Loan Growth (YoY) | 24.55% | -10.77% | -7.15% | 12.20% | 10.69% | 10.08% | 13.45% | -35.84% | -4,804 bps | |
| Deposit Growth (YoY) | -15.69% | -17.90% | -22.18% | -5.10% | -6.33% | -9.46% | 10.07% | -0.97% | +412 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 5.28% | 1.33% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 5.07% | +507 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.16% | 1.24% | 1.15% | 1.06% | 0.45% | 0.40% | 0.36% | 0.36% | -71 bps | |
| Allowance Coverage of NPLs | 0.2x | 0.9x | n/a | n/a | n/a | n/a | n/a | 0.1x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 46.89% | 49.23% | 54.39% | 48.89% | 48.10% | 49.57% | 50.84% | 56.08% | +719 bps | |
| Total Risk-Based Capital | 83.01% | 86.99% | 86.53% | 79.17% | 84.29% | 87.59% | 50.84% | 99.49% | +2,031 bps | |
| Equity / Assets | 51.43% | 54.30% | 51.24% | 49.00% | 50.17% | 51.95% | 50.58% | 59.42% | +1,042 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 177.85% | 178.74% | 210% | 215% | 210% | 217% | 216% | 139.32% | -7,571 bps | |
| Liquid Assets / Assets | 15.60% | 14.42% | 16.61% | 9.37% | 13.65% | 14.72% | 12.08% | 26.37% | +1,699 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 3.28% | 2.35% | 4.25% | n/a | n/a | |
Richwood, TX · Cert 24038 · Peer group: banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=21) · Gulfport Bancshares of de Inc.
National charter · OCC · 1 branch
Q2 2026
Return on Assets
1.50%
Rank 5 of 21
Net Interest Margin
6.50%
Rank 1 of 21
Efficiency Ratio
93.18%
Rank 19 of 21
Equity / Assets
59.42%
Rank 1 of 21
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.50% | 0.77% | 1.16% | 1.46% | Beats 76% | 5 / 21 | ||
| Return on Equity | 2.52% | 6.66% | 8.42% | 15.66% | Beats 5% | 20 / 21 | ||
| Net Interest Margin | 6.50% | 3.50% | 3.97% | 4.41% | Beats 95% | 1 / 21 | ||
| Efficiency Ratio | 93.18% | 59.33% | 68.18% | 79.00% | Beats 14% | 19 / 21 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 5.07% | 0.01% | 0.37% | 1.25% | Beats 10% | 20 / 21 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.05% | Beats 100% | 9 / 21 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 99.13% | 12.65% | 15.76% | 18.38% | Beats 95% | 1 / 21 | ||
| Total Risk-Based Capital Ratio | 99.49% | 12.65% | 16.68% | 19.63% | Beats 95% | 1 / 21 | ||
| Equity / Assets | 59.42% | 9.08% | 11.30% | 15.80% | Beats 95% | 1 / 21 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 139.32% | 64.96% | 78.30% | 90.30% | 95th pctl | 1 / 21 | ||
| Loans / Assets | 55.83% | 55.83% | 65.86% | 74.20% | 24th pctl | 16 / 21 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||