Gulf Capital Bank
Houston, TX
IDRSSD: 5382514
Total Assets
$588.67M
Latest filing
Total Deposits
$493.64M
Latest filing
Net Interest Margin
3.08%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
113026201HOUSTON, TX
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Gulf Capital Bank
1 Riverway
Houston, TX 77056
Full Service - Brick and Mortar
Updated 01/30/2026Established 12/18/2019FDIC Certificate 612409
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| Gulf Capital Bank (Main) | 1 Riverway | Houston, TX | ||
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 12/18/2019 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 77056 |
| State and County Number | 48201 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 11 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Houston-The Woodlands-Sugar Land, TX |
Operational Info
| Number of Employees | 56 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 12/18/2019 |
| Primary Insurance Agency | DIF |
| Website | www.gulfcapitalbank.com |
| Data Updated | 01/30/2026 |
| CERT | 59185 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $588.67M |
| Total Deposits | $493.64M |
| Total Liabilities | $510.15M |
| Total Equity Capital | $78.52M |
| Net Income | $2.33M |
| Net Loans and Leases | $347.26M |
| Assets Per Employee ($Millions) | $10.15M |
| Bank Premises and Fixed Assets | $4.09M |
| Cash and Balances due from Depository Institutions | $23.50M |
| Deposits Held in Domestic Offices | $493.64M |
Key Performance Ratios
| Return on Assets (ROA) | 1.6% |
| Return on Equity (ROE) | 12.12% |
| Net Interest Margin | 3.08% |
| Efficiency Ratio | 95.46% |
| Tier 1 Risk-Based Capital Ratio | 16.639% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -1.75% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.339% |
| Earning Assets to total Assets | 97.76% |
Income and Expense
| Total Interest Income | $9.06M |
| Total Noninterest Income | $205.00k |
| Total Interest Expense | $4.66M |
| Total Noninterest Expense | $4.39M |
| Net Interest Income | $4.40M |
| Pre-tax Net Operating Income | $2.76M |
| Provision for Credit Losses | $-2,555,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $10.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $6.51M |
| Total Liabilities and Capital | $588.67M |
Securities
| Securities | $208.19M |
| Available-for-sale debt securities | $208.19M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Gulf Capital Bank?
$588.67M as of the latest filing.
How much are Gulf Capital Bank's total deposits?
$493.64M in total deposits.
Where is Gulf Capital Bank located?
Houston, TX.
What is the Net Interest Margin?
3.08%.
How many domestic offices does it operate?
1.
When was it established?
12/18/2019.
What is the Return on Assets (ROA)?
1.6%.
How much are total loans and leases?
$347.26M (latest filing).
What is the total interest income (latest filing)?
$9.06M.