BlastPoint's Banking Scorecard
Gulf Capital Bank
$100M-$1B
Specialty: Commercial
TX
FDIC cert 59185
Houston, TX
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
- Deposits +14.2% year over year ($497.3M on the books).
- Delinquency rate 0.66%.
- Return on assets 0.71%.
- Efficiency ratio 79.00% vs a 64.48% peer average.
- Loan-to-deposit ratio 74.76% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
2643
banks in the $100M-$1B peer group nationally
219 in TX
View $100M-$1B leaderboard (TX) →
Gulf Capital Bank has 1 strength but faces 4 concerns
Key Strengths include matched growth signatures,
metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures,
metrics ranked in the bottom 10%, and values meaningfully below the tier average.
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.26% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.50% below tier average
- - ROA 0.61% below tier average
- - Net Interest Margin 0.67% below tier average
- - Efficiency Ratio 14.52% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$596.5M
+2.4% YoY
-0.9% QoQ
|
+$209.9M |
$386.6M
+1.2% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
80% |
| Total Loans ? |
$371.8M
+23.6% YoY
+2.9% QoQ
|
+$113.5M |
$258.3M
+1.7% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
76% |
| Total Deposits ? |
$497.3M
+14.2% YoY
-1.9% QoQ
|
+$170.6M |
$326.7M
+0.7% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
79% |
| Return on Assets ? |
0.71%
+163.9% YoY
+28.9% QoQ
|
-0.61% |
1.32%
+10.8% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
19% |
| Net Interest Margin ? |
3.32%
+19.8% YoY
+5.3% QoQ
|
-0.67% |
3.99%
+5.0% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
20% |
| Efficiency Ratio ? |
79.00%
-2.1% YoY
+2.3% QoQ
|
+14.52% |
64.48%
-3.2% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
Bottom 14.7% in tier |
| Delinquency Rate ? |
0.66%
-51.1% YoY
-23.7% QoQ
|
-0.26% |
0.92%
+15.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
39% |
| Loan-to-Deposit Ratio ? |
74.76%
+8.2% YoY
+4.9% QoQ
|
-3.19% |
77.95%
+1.0% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
61% |
| Non-Interest-Bearing Deposit Share ? |
15.06%
+1.6% YoY
-4.0% QoQ
|
-6.97% |
22.03%
-0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
25% |
| Nonperforming Asset Ratio ? |
0.41%
-41.0% YoY
-20.8% QoQ
|
-0.26% |
0.67%
+16.4% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
44% |
| Tier 1 Capital Ratio ? |
16.72%
-0.0% YoY
+1.2% QoQ
|
+0.81% |
15.91%
+1.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
76% |
| Non-Interest Income / Assets ? |
0.07%
-8.4% YoY
+90.8% QoQ
|
-0.50% |
0.57%
+7.6% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
Bottom 9.0% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
15.1%
+0.2pp YoY -0.6pp QoQ |
-7.1pp | 22.1% | 29.2% | 22.2% | 24% |
| Brokered Deposits |
20.7%
-3.1pp YoY -2.6pp QoQ |
+12.9pp | 7.9% | 8.0% | 8.5% | 92% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
21.9%
-21.7pp YoY -8.5pp QoQ |
+10.3pp | 11.6% | 14.8% | 12.5% | 91% |
| CRE |
70.1%
+6.9pp QoQ |
+30.5pp | 39.5% | 48.4% | 41.4% | 93% |
| 1-4 Family |
4.4%
+2.2pp YoY +1.3pp QoQ |
-28.3pp | 32.6% | 25.8% | 31.3% | 4% |
| Consumer |
1.0%
+0.8pp YoY +0.5pp QoQ |
-3.1pp | 4.1% | 4.7% | 5.0% | 29% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
16.7%
0.0pp YoY +0.2pp QoQ |
-2.1pp | 18.8% | 22.7% | 19.7% | 62% |
| Leverage Ratio |
13.8%
+0.8pp YoY +0.1pp QoQ |
+1.6pp | 12.2% | 12.6% | 12.6% | 80% |
| Total Capital Ratio |
17.6%
+0.1pp YoY +0.1pp QoQ |
-2.3pp | 19.9% | 23.8% | 20.8% | 61% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
68
+12 (+21.4%) YoY +7 (+11.5%) QoQ |
+9 | 58 | 186 | 482 | 69% |
| Assets per Employee ($) |
$8.8M
-15.6% YoY -11.1% QoQ |
+$1.3M | $7.5M | $10.1M | $8.8M | 77% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 12 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.5%
0.0pp QoQ |
+0.1pp | 0.3% | 0.3% | 0.4% | 82% |
| Nonaccrual |
0.2%
-1.2pp YoY -0.2pp QoQ |
-0.7pp | 0.9% | 1.0% | 1.0% | 29% |
| Allowance Coverage |
1.62x
+96.7% YoY +17.6% QoQ |
-22.53x | 24.15x | 18.82x | 20.23x | 42% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
5.4%
+3.3pp YoY +1.2pp QoQ |
-6.8pp | 12.2% | 13.2% | 11.6% | 15% |
| Cost of Funds (YTD) |
2.7%
-0.4pp YoY 0.0pp QoQ |
+1.0pp | 1.7% | 1.6% | 1.7% | 94% |
| Net Income ($, YTD) |
$2.1M
+179.0% YoY — QoQ |
-$440K | $2.6M | $15.9M | $40.4M | 55% |
Get Full Access to Gulf Capital Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
$250B+
12 performance metrics with tier, state, and national benchmarks
Signature behaviors (strengths & concerns)
Metric and signature rankings across 4,287 FDIC-insured banks
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths are growth signatures this bank matches
(e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches
(e.g. Margin Compression, Credit Quality Pressure).
Strengths (0)
No matched strength signatures this quarter
Concerns (0)
No matched concern signatures this quarter
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.
Strengths are metrics in the top 25%
(75th percentile or higher).
Concerns are metrics in the bottom 25%
(25th percentile or lower).
Top Strengths (4 metrics)
523
Total Assets
size
Value:
$596.45M
Peer Median: $386.57M
#523 of 2643
Top 19.8% in $100M-$1B
543
Total Deposits
size
Value:
$497.31M
Peer Median: $326.73M
#543 of 2643
Top 20.5% in $100M-$1B
628
Total Loans
size
Value:
$371.81M
Peer Median: $258.35M
#628 of 2643
Top 23.7% in $100M-$1B
645
Tier 1 Capital Ratio
capital
Value:
16.72%
Peer Median: 15.91%
#645 of 2643
Top 24.4% in $100M-$1B
Top Weaknesses (5 metrics)
2405
Non-Interest Income / Assets
revenue_mix
Value:
0.07%
Peer Median: 0.57%
#2405 of 2643
Bottom 9.0% in $100M-$1B
2256
Efficiency Ratio
profitability
Value:
79.00%
Peer Median: 64.48%
#2256 of 2643
Bottom 14.7% in $100M-$1B
2131
Return on Assets
profitability
Value:
0.71%
Peer Median: 1.32%
#2131 of 2643
Bottom 19.4% in $100M-$1B
2107
Net Interest Margin
profitability
Value:
3.32%
Peer Median: 3.99%
#2107 of 2643
Bottom 20.3% in $100M-$1B
1992
Non-Interest-Bearing Deposit Share
funding
Value:
15.06%
Peer Median: 22.03%
#1992 of 2643
Bottom 24.7% in $100M-$1B