BlastPoint's Banking Scorecard
Gulf Capital Bank
Houston, TX
Gulf Capital Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.72% below tier average
- - Net Interest Margin 0.78% below tier average
- - Efficiency Ratio 11.96% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$601.9M
+5.8% YoY
+2.2% QoQ
|
+$215.8M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
81% |
| Total Loans ? |
$361.4M
+35.6% YoY
+4.1% QoQ
|
+$105.6M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
76% |
| Total Deposits ? |
$506.9M
+20.4% YoY
+2.7% QoQ
|
+$178.9M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
80% |
| Return on Assets ? |
0.55%
+119.9% YoY
-16.2% QoQ
|
-0.72% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
Bottom 14.4% in tier |
| Net Interest Margin ? |
3.15%
+16.0% YoY
+8.0% QoQ
|
-0.78% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
16% |
| Efficiency Ratio ? |
77.25%
-0.8% YoY
-8.5% QoQ
|
+11.96% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
19% |
| Delinquency Rate ? |
0.86%
-43.2% YoY
+19.9% QoQ
|
-0.03% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
71.29%
+12.7% YoY
+1.3% QoQ
|
-5.35% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
64% |
| Non-Interest-Bearing Deposit Share ? |
15.70%
-1.1% YoY
+13.6% QoQ
|
-6.32% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
26% |
| Nonperforming Asset Ratio ? |
0.52%
-27.3% YoY
+22.0% QoQ
|
-0.12% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
37% |
| Tier 1 Capital Ratio ? |
16.51%
-8.7% YoY
-0.8% QoQ
|
+0.68% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
75% |
| Non-Interest Income / Assets ? |
0.04%
-0.3% YoY
-75.6% QoQ
|
-0.24% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
Bottom 10.8% in tier |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.