Gulf Capital Bank

BankHouston, Texas
www.gulfcapitalbank.com

Total Assets

$588.7M

Total Deposits

$493.6M

Branches

1

Established

2019

TFS Health Grade

$
C

74.8 / 100

Average financial health

How we grade

Gulf Capital Bank is a bank headquartered in Houston, Texas, established in 2019. With $588.7M in total assets and 1 branch locations, it has a TFS Financial Health Grade of C (74.8/100).

Capital & Safety

Tier 1 Capital Ratio
12.87%(8%)
Total Capital Ratio
17.60%(10%)
Non-Performing Loan Ratio
0.71%

Profitability

Return on Assets (ROA)
0.66%(1%)
Return on Equity (ROE)
5.11%(10%)
Net Interest Margin
2.92%
Efficiency Ratio
84.47%(60%)

Lending & Liquidity

Total Loans
$351.4M
Loan-to-Deposit Ratio
70.35%
Net Charge-Off Ratio
-1.11%

Growth

Asset Growth (YoY)
+9.23%
Deposit Growth (YoY)
+13.72%
Net Income
$3.8M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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