GULF CAPITAL BANK

HOUSTON, TX · Supervised by FDIC

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

Satisfactory

Current rating · Exam: March 2025

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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)

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%

Total Assets — Last 8 Quarters

Total AssetsROA

Current Examination

CRA / FFIEC

Overall Rating

Satisfactory

Exam Date

March 1, 2025

Exam Type

Intermediate Small Bank

Regulator

FDIC

Rating History

CRA / FFIEC

1 previous rating locked — dating back to 2022

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Rating Over Time

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OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

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