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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.69% | 1.13% | 2.02% | 0.14% | 3.74% | 3.18% | 0.76% | 1.97% | +182 bps | |
| Return on Equity | 5.46% | 2.15% | 3.82% | 0.28% | 7.54% | 6.24% | 1.48% | 3.60% | +331 bps | |
| Net Interest Margin | 6.69% | 6.72% | 6.73% | 6.63% | 6.74% | 6.83% | 6.55% | 5.85% | -77 bps | |
| Efficiency Ratio | 86.63% | 92.21% | 88.02% | 97.67% | 90.14% | 83.26% | 95.11% | 91.49% | -618 bps | |
| Non-Interest Burden | 4.14% | 5.26% | 4.36% | 5.98% | 4.68% | 3.58% | 5.52% | 3.95% | -203 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 | |