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Gulf Capital Bank
Houston, TX · FDIC Certificate #59185 · Chartered 12/1
Total assets
$596.45M
Total deposits
$497.31M
Total equity
$78.98M
Net loans
$371.81M
Branches (offices)
1
Net income (YTD)
$2.12M
Rank: #1,564 of 4,213 U.S. banks by assets · #141 of 346 in Texas. Assets changed 2.4% and deposits 14.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.71% |
| Return on equity | 5.39% |
| Net interest margin (YTD) | 3.32% |
| Equity to assets | 13.24% |
| Tier 1 leverage ratio | 13.78% |
| Uninsured deposits (share of deposits) | 52.8% |
| Noncurrent loans (share of loans) | 0.65% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 74.8% |
| Real estate loans (share of loans) | 75.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $279.38M | 75.1% | |
| Commercial & industrial | $81.27M | 21.9% | |
| Consumer / individual | $3.78M | 1.0% | |
| Construction & development | $78.97M | 21.2% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $363.14M | $281.66M | $479.00K | $80.83M |
| Jun 2023 | $513.93M | $384.29M | $1.30M | $73.99M |
| Jun 2024 | $545.96M | $376.95M | -$648.00K | $67.55M |
| Jun 2025 | $582.25M | $435.55M | $758.00K | $72.56M |
| Jun 2026 | $596.45M | $497.31M | $2.12M | $78.98M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $497.31M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $497.31M.
Similar-sized banks
Unison Bank ($596.86M) · Citizens Bank Minnesota ($595.96M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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