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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.05% | 1.99% | 2.30% | 0.76% | 1.36% | +31 bps | |
| Return on Equity | 2.05% | 3.89% | 4.49% | 1.48% | 2.54% | +49 bps | |
| Net Interest Margin | 6.34% | 6.32% | 6.51% | 6.55% | 6.50% | +16 bps | |
| Efficiency Ratio | 93.01% | 91.95% | 89.67% | 95.11% | 93.18% | +17 bps | |
| Non-Interest Burden | 4.96% | 4.75% | 4.50% | 5.52% | 4.98% | +2 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.41% | 6.10% | 9.29% | 5.31% | -13.57% | -1,316 bps | |
| Loan Growth (YoY) | 12.20% | 10.69% | 10.08% | 13.45% | -35.84% | -4,804 bps | |
| Deposit Growth (YoY) | -5.10% | -6.33% | -9.46% | 10.07% | -0.97% | +412 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 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 bps | |
| Allowance / Loans | 1.06% | 0.45% | 0.40% | 0.36% | 0.36% | -71 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 0.1x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 48.89% | 48.10% | 49.57% | 50.84% | 56.08% | +719 bps | |
| Total Risk-Based Capital | 79.17% | 84.29% | 87.59% | 50.84% | 99.49% | +2,031 bps | |
| Equity / Assets | 49.00% | 50.17% | 51.95% | 50.58% | 59.42% | +1,042 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 215% | 210% | 217% | 216% | 139.32% | -7,571 bps | |
| Liquid Assets / Assets | 9.37% | 13.65% | 14.72% | 12.08% | 26.37% | +1,699 bps | |
| CRE / Total Capital | n/a | 3.28% | 2.35% | 4.25% | n/a | n/a | |