Gulf Capital Bank

Houston, TX · Cert 59185 · Peer group: banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=21)

State charter, non-member · FDIC · 1 branch

Q2 2026

$596.5MAssets

$375.8MLoans

$497.3MDeposits

$79.0MEquity

Executive Summary

Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 9 of 21).
Widest gap: net interest margin trails 81% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 17 of 21).
Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.71%

Rank 17 of 21

Net Interest Margin

3.23%

Rank 17 of 21

Efficiency Ratio

79.00%

Rank 16 of 21

Equity / Assets

13.24%

Rank 7 of 21

Unfavorable gap of $15.1M · efficiency ratio beats 29% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	0.71%	0.77%	1.16%	1.46%	Beats 19%	17 / 21
Return on Equity	5.36%	6.66%	8.42%	15.66%	Beats 19%	17 / 21
Net Interest Margin	3.23%	3.50%	3.97%	4.41%	Beats 19%	17 / 21
Efficiency Ratio	79.00%	59.33%	68.18%	79.00%	Beats 29%	16 / 21
Asset Quality
Nonperforming Loans / Loans	0.65%	0.01%	0.37%	1.25%	Beats 43%	13 / 21
Net Charge-Offs / Loans	0.00%	n/a	0.01%	0.05%	Beats 100%	9 / 21
Capital
Tier 1 Capital Ratio	16.72%	12.65%	15.76%	18.38%	Beats 57%	9 / 21
Total Risk-Based Capital Ratio	17.63%	12.65%	16.68%	19.63%	Beats 57%	9 / 21
Equity / Assets	13.24%	9.08%	11.30%	15.80%	Beats 67%	7 / 21
Liquidity & Funding
Loans / Deposits	75.56%	64.96%	78.30%	90.30%	38th pctl	13 / 21
Loans / Assets	63.00%	55.83%	65.86%	74.20%	43rd pctl	12 / 21
Brokered Deposits / Deposits	n/a	Not reported for this institution