Total Assets
$589M
Total balance-sheet footings
FDIC Cert #59185 · Houston, Texas · Est. 2019
Gulf Capital Bank - FDIC Bank Health Profile
A community-scale look at Gulf Capital Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $589M
- Total assets
- B
- Health grade · Good
- 0.66%
- Return on assets
- 16.6%
- Tier 1 capital
Data updated July 2026
The verdict
Gulf Capital Bank earns a PlainBankData health grade of B (74/100), with well-capitalized at 16.64% Tier 1, 0.66% ROA, 84% efficiency ratio.
- #1,592
- largest of 4,313 FDIC banks by assets
- 63rd
- percentile by asset size, nationally
- 16.64%
- Tier 1 ratio - above the 10% well-capitalized line
- 22nd
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Gulf Capital Bank's 74/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Gulf Capital Bank's composite health score
Tier 1 Capital Ratio (16.64%) 40/40
Return on Assets (ROA) (0.66%) 14/25
Texas Ratio (3.02%) 20/20
Efficiency Ratio (84.47%) 0/15
74 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$494M
Customer-funded liabilities
Net Loans
$347M
Outstanding loan book
Net Income
$4M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Gulf Capital Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Gulf Capital Bank's score of 74/100 falls in the highlighted band.
Gulf Capital Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Gulf Capital Bank's $589M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
16.64% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
16.64%
Texas Ratio
3.02%
Equity Capital
$79M
Profitability metrics
Return on Assets (ROA)
22nd percentile nationally
0.66%
Return on Equity (ROE)
5.11%
Efficiency Ratio
84.47%
What the numbers say about Gulf Capital Bank
Gulf Capital Bank is an FDIC-insured institution (Certificate #59185) headquartered in Houston, Texas, established in 2019. It holds $589M in total assets - 1,592nd of 4,313 FDIC-insured banks, $494M in customer deposits, and $347M in net loans. Capital-wise, the Tier 1 ratio sits at 16.64%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 3.02%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (74 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Gulf Capital Bank sits 146th of 350 banks headquartered in Texas by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$34M
Interest Income
$846K
Non-Interest Income
$14M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Gulf Capital Bank reports a Texas Ratio of 3.02% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
3.02% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Texas by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Gulf Capital Bank (FDIC Cert #59185) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Texas
All Texas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Charles Schwab Bank, SSBWestlake | $253.8B | A | 0.94% |
| Frost BankSan Antonio | $53.1B | A | 1.26% |
| Prosperity BankEl Campo | $38.5B | A | 1.44% |
| Texas Capital BankDallas | $31.3B | A | 1.10% |
| Charles Schwab Premier Bank, SSBWestlake | $27.0B | A | 1.47% |
| First Financial BankAbilene | $15.4B | A | 1.64% |
| NexBankDallas | $13.9B | A | 1.17% |
| PlainsCapital BankUniversity Park | $12.7B | B | 1.05% |
Frequently asked questions
What is Gulf Capital Bank's health grade?▼
Gulf Capital Bank receives a health grade of B (74/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Gulf Capital Bank?▼
Gulf Capital Bank holds $589M in total assets and $494M in deposits, ranking 1,592nd of 4,313 FDIC-insured banks by asset size. It is headquartered in Houston, Texas.
Is my money safe at Gulf Capital Bank?▼
Yes, deposits at Gulf Capital Bank (Certificate #59185) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Gulf Capital Bank's Tier 1 Capital Ratio?▼
Gulf Capital Bank has a Tier 1 Capital Ratio of 16.64%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Gulf Capital Bank?▼
Gulf Capital Bank has a Texas Ratio of 3.02%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Gulf Capital Bank?▼
Gulf Capital Bank has an Efficiency Ratio of 84.47%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Gulf Capital Bank's profile as a depositor or analyst.
- Gulf Capital Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Gulf Capital Bank against other Texas banks before moving funds. Texas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.