Side-by-side · Q2 2026 data
The Falls City National Bank vs Gulf Capital Bank
Metric by metric
| Measure | The Falls City National Bank | Gulf Capital Bank |
|---|---|---|
| TellerScore | 69 | 71 (stronger) |
| Capital cushion | 100 (stronger) | 88 |
| Loan quality | 0 | 78 (stronger) |
| Earnings | 100 (stronger) | 48 |
| Funding & liquidity | 66 (stronger) | 43 |
| Problem-loan coverage | 91 | 94 (stronger) |
| Peer percentile | 40th | 47th |
| Total assets | $597.1M | $596.5M |
| Deposits / shares | $498.0M | $497.3M |
| Capital ratio | 16.33% (stronger) | 13.78% |
| Problem loans | 3.22% | 0.65% (stronger) |
| Net charge-offs | 0.15% | 0.00% (stronger) |
| Return on assets | 2.03% (stronger) | 0.71% |
| Loans ÷ deposits | 27.3% (stronger) | 74.8% |
| Uninsured deposits | 45.7% (stronger) | 52.8% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.8% | — |
Gulf Capital Bank has the higher TellerScore (71 vs 69). On the 7 directional measures above (where higher or lower is clearly better), The Falls City National Bank leads on 4 and Gulf Capital Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.