GULF CAPITAL BANK

HOUSTON, TX · Supervised by FDIC

Est. 2019FDIC #59,185RSSD: FDIC-59185

Satisfactory Same

Current rating · Exam: March 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.55%

Institution Profile

FDIC BankFind

Website

www.gulfcapitalbank.com

Address

1 Riverway, HOUSTON, TX

County

Harris County

Established

December 18, 2019

Total Assets

$602M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

March 1, 2025

Exam Type

Intermediate Small Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:Mar 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$602M

Total Deposits

$507M

Net Loans

$361M

Net Income

$820K

ROA

0.55%

ROE

4.19%

Risk-Based Capital

17.50%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$436M

1-Year Change

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 2022

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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