| Metric | Gulf Capital Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.4% | +4.9% | -2.5 pts |
| Deposit growth (YoY) | +14.2% | +4.3% | +9.8 pts |
| Loan growth (YoY) | +23.6% | +5.3% | +18.2 pts |
| ROA | 0.71% | 1.28% | -0.6 pts |
| ROE | 5.4% | 12.5% | -7.1 pts |
ROA ranks in the 16th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $596.5M | $497.3M | $371.8M | $79.0M | $2.1M | 0.71% | 3.32% | 0.41% |
| Q1 2026 | $601.9M | $506.9M | $361.4M | $78.1M | $820K | 0.55% | 3.15% | 0.52% |
| Q4 2025 | $588.7M | $493.6M | $347.3M | $78.5M | $3.8M | 0.66% | 2.92% | 0.42% |
| Q3 2025 | $581.1M | $459.7M | $329.7M | $75.5M | $1.4M | 0.34% | 2.86% | 0.66% |
| Q2 2025 | $582.2M | $435.6M | $300.9M | $72.6M | $758K | 0.27% | 2.77% | 0.69% |
| Q1 2025 | $568.8M | $421.1M | $266.4M | $72.2M | $347K | 0.25% | 2.71% | 0.71% |
| Q4 2024 | $538.9M | $434.1M | $206.8M | $69.3M | $36K | 0.01% | 2.30% | 0.83% |
| Q3 2024 | $544.4M | $391.8M | $205.9M | $72.4M | $-362K | -0.09% | 2.19% | 1.02% |
Loan mix (Q2 2026): real estate $279.4M · commercial $81.3M · consumer $3.8M · securities $199.6M
| Ratio | Gulf Capital Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.71% | 1.28% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | 5.4% | 12.5% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.32% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.0% | 61.1% | 88th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Gulf Capital Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Gulf Capital Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Gulf Capital Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Gulf Capital Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Gulf Capital Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
Technology spend up 120% in 2025. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).
1 branches in 1 county across 1 state (+0 vs 2025) · $497.3M branch deposits. Biggest market: Harris, TX, ranked 50th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Harris, TX | 1 | $497.3M | 0.15% | 50th |
Texas: 252nd with 0.03% · Houston-Pasadena-The Woodlands metro: 70th, 0.13% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1