🏦Bank Scorer

GULF CAPITAL BANK

HOUSTON, TX · Supervised by FDIC

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

Current rating · Exam: March 2025

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.55%

Institution Profile

FDIC BankFind

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
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%

Above avg for Small banks. Peer avg: 0.44%

ROE

4.19%

Risk-Based Capital

17.50%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA0.55%Peer avg: 0.44%▲ Above avg
Risk-Based Capital17.50%Peer avg: 23.03%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

1

Branch Deposits

$436M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

Stable

Based on last 2 exams

Exam DateRatingExam Type
Mar 2025SatisfactoryIntermediate Small Bank
Apr 2022SatisfactorySmall Bank

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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