Side-by-side · Q2 2026 data
NBT Financial Bank vs Gulf Capital Bank
Metric by metric
| Measure | NBT Financial Bank | Gulf Capital Bank |
|---|---|---|
| TellerScore | 50 | 71 (stronger) |
| Capital cushion | 59 | 88 (stronger) |
| Loan quality | 24 | 78 (stronger) |
| Earnings | 72 (stronger) | 48 |
| Funding & liquidity | 35 | 43 (stronger) |
| Problem-loan coverage | 70 | 94 (stronger) |
| Peer percentile | 7th | 47th |
| Total assets | $618.7M | $596.5M |
| Deposits / shares | $540.1M | $497.3M |
| Capital ratio | 10.85% | 13.78% (stronger) |
| Problem loans | 2.29% | 0.65% (stronger) |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 1.29% (stronger) | 0.71% |
| Loans ÷ deposits | 83.8% | 74.8% (stronger) |
| Uninsured deposits | 51.8% (stronger) | 52.8% |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.2% | — |
Gulf Capital Bank has the higher TellerScore (71 vs 50). On the 7 directional measures above (where higher or lower is clearly better), NBT Financial Bank leads on 2 and Gulf Capital Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.