Gulf Capital Bank is a state-chartered bank headquartered in Houston, Texas, in business for about 7 years. At the end of Q2 2026 it reported $596.5M in total assets and $497.3M in deposits, with 1 office.
Based on its Q2 2026 filing, Gulf Capital Bank scores 71/100, which we describe as strong. That is higher than only 47% of 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 214th. Its strongest component is problem-loan coverage (94/100; 2.9%), and its lowest is funding & liquidity (43/100; 75% loans-to-deposits, 53% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 11 points (60 → 71), mostly because the loan quality component improved by 22 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 45 |
| Q3 2024 | 50 |
| Q4 2024 | 55 |
| Q1 2025 | 62 |
| Q2 2025 | 60 |
| Q3 2025 | 61 |
| Q4 2025 | 68 |
| Q1 2026 | 69 |
| Q2 2026 | 71 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 14.10% |
| Q3 2024 | 13.84% |
| Q4 2024 | 14.05% |
| Q1 2025 | 14.11% |
| Q2 2025 | 12.96% |
| Q3 2025 | 12.84% |
| Q4 2025 | 12.87% |
| Q1 2026 | 13.65% |
| Q2 2026 | 13.78% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 3.69% |
| Q3 2024 | 2.64% |
| Q4 2024 | 2.12% |
| Q1 2025 | 1.50% |
| Q2 2025 | 1.33% |
| Q3 2025 | 1.15% |
| Q4 2025 | 0.71% |
| Q1 2026 | 0.85% |
| Q2 2026 | 0.65% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.23% |
| Q3 2024 | -0.09% |
| Q4 2024 | 0.01% |
| Q1 2025 | 0.25% |
| Q2 2025 | 0.27% |
| Q3 2025 | 0.34% |
| Q4 2025 | 0.66% |
| Q1 2026 | 0.55% |
| Q2 2026 | 0.71% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 71 | $596.5M | 13.78% | 0.65% | 0.71% | 74.8% |
| Q1 2026 | 69 | $601.9M | 13.65% | 0.85% | 0.55% | 71.3% |
| Q4 2025 | 68 | $588.7M | 12.87% | 0.71% | 0.66% | 70.3% |
| Q3 2025 | 61 | $581.1M | 12.84% | 1.15% | 0.34% | 71.7% |
| Q2 2025 | 60 | $582.2M | 12.96% | 1.33% | 0.27% | 69.1% |
| Q1 2025 | 62 | $568.8M | 14.11% | 1.50% | 0.25% | 63.3% |
| Q4 2024 | 55 | $538.9M | 14.05% | 2.12% | 0.01% | 47.6% |
| Q3 2024 | 50 | $544.4M | 13.84% | 2.64% | -0.09% | 52.6% |
| Q2 2024 | 45 | $546.0M | 14.10% | 3.69% | -0.23% | 58.1% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Falls City National BankBank Falls City, TX | 69 out of 100, Moderate | $597.1M | 16.3% | 3.22% | vs |
| The First National Bank of East TexasBank Gilmer, TX | 60 out of 100, Moderate | $594.8M | 10.0% | 1.58% | vs |
| First Federal Community Bank, SSBBank Paris, TX | 74 out of 100, Strong | $603.6M | 13.1% | 0.75% | vs |
| First National Bank of HuntsvilleBank Huntsville, TX | 90 out of 100, Very strong | $584.9M | 13.3% | 0.05% | vs |
| The Bank and Trust, S.S.B.Bank Del Rio, TX | 77 out of 100, Strong | $583.8M | 10.0% | 0.05% | vs |
| SouthTrust Bank, N.A.Bank George West, TX | 79 out of 100, Strong | $578.8M | 12.5% | 0.27% | vs |
Deposit insurance
Is my money safe at Gulf Capital Bank?
Yes. Gulf Capital Bank is an FDIC-insured institution (FDIC certificate #59185). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 52.8% of deposits ($262.4M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 13.78%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.63% (benchmark: 10%).
1 location
Branches
Gulf Capital Bank lists 1 office in 1 city. Most locations:
- Houston, TX (1)
Identity & history
Profile
- Legal name
- Gulf Capital Bank
- Type
- State-chartered bank
- FDIC certificate #
- 59185
- RSSD ID
- 5382514
- Primary regulator
- FDIC
- Established
- December 18, 2019
- Headquarters
- 1 Riverway, Houston, TX 77056
- Website
- www.gulfcapitalbank.com
- Employees
- 68
Quick answers
Gulf Capital Bank: common questions
Is Gulf Capital Bank FDIC insured?
Yes. Gulf Capital Bank is an FDIC-insured institution (FDIC certificate #59185). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Gulf Capital Bank's TellerScore?
71 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Gulf Capital Bank ever failed?
There is no failure record for FDIC certificate #59185 in the FDIC failed bank list.
How many branches does Gulf Capital Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Houston
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Local 24 Employees Federal Credit UnionCredit union Pasadena, TX | 98 out of 100, Very strong | $13.6M | 21.0% | 0.26% | vs |
| Corpus Christi Postal Employees Credit UnionCredit union Corpus Christi, TX | 96 out of 100, Very strong | $17.1M | 20.3% | 0.00% | vs |
| Port of Houston Warehouse Federal Credit UnionCredit union Houston, TX | 96 out of 100, Very strong | $5.4M | 21.6% | 0.52% | vs |
| Schlumberger Employees Credit UnionCredit union Sugar Land, TX | 94 out of 100, Very strong | $935.8M | 25.3% | 0.57% | vs |
| Light Commerce Credit UnionCredit union Houston, TX | 92 out of 100, Very strong | $5.0M | 26.8% | 0.93% | vs |
| Ila 1351 Federal Credit UnionCredit union La Porte, TX | 92 out of 100, Very strong | $17.3M | 17.0% | 0.00% | vs |