Gulf Capital Bank: how it compares with its peers
Against 134 TX banks with half to twice its assets, Gulf Capital Bank's strongest measure in Q2 2026 is assets per employee ($8.8M vs. a $7.7M peer median). Its weakest relative measure is efficiency ratio (79.00% vs. 60.98%).
| Measure | Gulf Capital Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.71% | 1.44% | Bottom third Ahead of 13% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.32% | 4.18% | Bottom third Ahead of 18% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 79.00% | 60.98% | Bottom third Ahead of 9% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.8M | $7.7M | Top third Ahead of 69% of peers |
| Loans to deposits Net loans and leases over total deposits. | 74.76% | 76.60% | Context |
What it means for lending operations
Its efficiency ratio of 79.00% is above the 60.98% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The Falls City National Bank Falls City, TX · $597M
- The First National Bank of East Texas Gilmer, TX · $595M
- First Federal Community Bank, SSB Paris, TX · $604M
- First National Bank of Huntsville Huntsville, TX · $585M
- The Bank and Trust, S.S.B. Del Rio, TX · $584M
- SouthTrust Bank, N.A. George West, TX · $579M
Questions about Gulf Capital Bank
How big is Gulf Capital Bank?
Gulf Capital Bank, established in 2019, is headquartered in Houston, TX. It reported $596M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Gulf Capital Bank's return on assets?
0.71% annualized in Q2 2026, against a 1.44% median for 134 TX banks with half to twice its assets, ahead of 13% of them.
What is Gulf Capital Bank's efficiency ratio?
79.00% in Q2 2026: it spent about 79 cents in noninterest expense for each dollar of revenue. The peer median is 60.98%, and lower is better.
Is Gulf Capital Bank growing its loans?
Net loans grew 23.6% over the year to Q2 2026, while deposits grew 14.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.