Side-by-side · Q2 2026 data
First National Bank of Huntsville vs Gulf Capital Bank
Metric by metric
| Measure | First National Bank of Huntsville | Gulf Capital Bank |
|---|---|---|
| TellerScore | 90 (stronger) | 71 |
| Capital cushion | 83 | 88 (stronger) |
| Loan quality | 98 (stronger) | 78 |
| Earnings | 90 (stronger) | 48 |
| Funding & liquidity | 86 (stronger) | 43 |
| Problem-loan coverage | 99 (stronger) | 94 |
| Peer percentile | 95th | 47th |
| Total assets | $584.9M | $596.5M |
| Deposits / shares | $501.6M | $497.3M |
| Capital ratio | 13.29% | 13.78% (stronger) |
| Problem loans | 0.05% (stronger) | 0.65% |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 1.74% (stronger) | 0.71% |
| Loans ÷ deposits | 69.7% (stronger) | 74.8% |
| Uninsured deposits | 19.2% (stronger) | 52.8% |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.4% | — |
First National Bank of Huntsville has the higher TellerScore (90 vs 71). On the 7 directional measures above (where higher or lower is clearly better), First National Bank of Huntsville leads on 5 and Gulf Capital Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.