# GULF CAPITAL BANK
HOUSTON, TX · FDIC certificate 59185 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $596.5M | |
| Deposits | $497.3M | |
| Loans and leases | $375.8M | |
| Total equity | $79.0M | |
| Loans / deposits | 74.76% (p34 of band) | 82.04% |
| Liquid assets / assets | 35.96% (p77 of band) | |
| Uninsured deposits / deposits | 52.75% (p96 of band) | 25.97% |
| Brokered deposits | 17.29% | |
| Wholesale funding | 19.80% (p93 of band) | |
| FHLB advances / assets | 2.51% | |
| Tier 1 leverage | 13.78% (p84 of band) | 10.81% |
| Unrealized securities loss / equity | -5.22% (p62 of band) | -8.10% |
| AOCI / equity | -2.14% (p7 of band) | |
| ROA (annualized) | 0.71% (p18 of band) | 1.28% |
| Net interest margin | 3.32% (p20 of band) | 3.91% |
| Efficiency ratio | 79.00% (p88 of band) | |
| Noncurrent loans | 0.65% (p61 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | 162.18% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 99.98% (p87 of band) | |
| Auto loans | $335,000 (0.09% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $11.4M (14% of equity) (p98 of band) | |
| Deposits YoY | 14.2% | |
| Employees | 68 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2019-12 | 3 | losing money, expense ratio p90, NIM <2.5% |  |
| 2020-03 | 4 | uninsured deposits >50% |  |
| 2020-06 | 5 | loans exceed deposits, capital falling | NIM <2.5% |
| 2020-09 | 6 | NIM <2.5% |  |
| 2020-12 | 6 |  |  |
| 2021-03 | 5 |  | NIM <2.5% |
| 2021-06 | 4 |  | loans exceed deposits |
| 2021-09 | 4 |  |  |
| 2021-12 | 4 |  |  |
| 2022-03 | 2 |  | losing money, capital falling |
| 2022-06 | 2 |  |  |
| 2022-09 | 4 | wholesale funding >15%, capital falling |  |
| 2022-12 | 5 | losing money, noncurrent p90, reserve under noncurrent | expense ratio p90, wholesale funding >15% |
| 2023-03 | 6 | brokered >10%, wholesale funding >15% | losing money |
| 2023-06 | 6 |  |  |
| 2023-09 | 7 | losing money, charge-offs p90 | reserve under noncurrent |
| 2023-12 | 9 | reserve under noncurrent, uninsured deposits leaving |  |
| 2024-03 | 9 | expense ratio p90, NIM <2.5% | charge-offs p90, uninsured deposits leaving |
| 2024-06 | 9 | uninsured deposits leaving | capital falling |
| 2024-09 | 9 |  |  |
| 2024-12 | 8 | assets shrinking | losing money, uninsured deposits leaving |
| 2025-03 | 4 |  | noncurrent p90, expense ratio p90, NIM <2.5%, assets shrinking |
| 2025-06 | 4 |  |  |
| 2025-09 | 5 | capital falling |  |
| 2025-12 | 4 | expense ratio p90 | reserve under noncurrent, capital falling |
| 2026-03 | 3 |  | expense ratio p90 |
| 2026-06 | 3 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-16 [BRENT HARRAMAN JOINS GULF CAPITAL BANK AS SENIOR VICE PRESIDENT / BUSINESS BANKING DIRECTOR - Morningstar](https://news.google.com/rss/articles/CBMi5AFBVV95cUxPbjlfelEzYlhpaUlMTWktWml5eUF5X1ZPT1BhM2QtX2JiS0Z1NHpiLUZ5OUNHc2p5MXc1bnNMUFRBUHM1cndQbGN2TkhycWw0OFJETjFGdHl1Wl93TllhZXIwRDF3aDJoaUotR19iVDA0TDhybVJ3YWJlOGszMjBIZHFGai1UTnpjc3A4QjJHUk55azBmaVNnTi0xVGVIQVU3TzZFN0lEbFhvbE9FN3ltY0p0Qnc2azV4S3h0dFM5a25nZk82TFF6Yi0yMDJWUmxfdk5oNEhXNmZCWFRoV3FyVy1vdWU?oc=5) · Morningstar
- 2026-06-16 [Brent Harraman Joins Gulf Capital Bank as Senior Vice President and Business Banking Director - citybiz.co](https://news.google.com/rss/articles/CBMizAFBVV95cUxPWi1oZEJEQjlBOWd5dnAxdTFLam44Q0tyVkI4WVMyYUlLMzBPNlB2MGZHQXdCcy0weDliWUNvT2g3MU9IcXp4cGVFcFdyNFRzNGVhVEdKandFM1FDbHR4cHJKTEVLVWRIUXRlQ0NOWVMzMEJVbUxZTjRDVGVXRVdPbXQyVEpNcV9yT1FQSFhaRW9YUGdVZXUtU1BfX3RCbEFYOEhzZ0VVM20zd2xpcTAxS2M2TUlERE52Um9hTzFKUkFYbmdRX1RQSWF0cDY?oc=5) · citybiz.co
- 2020-02-24 [Gulf Capital Bank Completes Largest Capital Raise of any De Novo Bank in the History of Texas - Business Wire](https://news.google.com/rss/articles/CBMi5AFBVV95cUxQX0RaT0NUQXJnaEtMNHhPZ2cwQW1SeWZibW9fdXNUa3FHeC1fM1hXQU9NNG1jX2l6OXlUUEdOYnZKREQ5X290cGJVU0MzU1BRTFRhVDNpaWZVZWdCNnhLWW9kRXNGcVFpUGc4LWVvZjRjbGwzQ3lNb2xjWGpsajd6N3pxRUw3R1RCUXRrYWlOdndNbkNldldKYkJfNGUzMV9UVjhkTktwdGRWT08yWVZ3OGJ1aC1xclREZnduOXpkUTlFdWlwcnRPQXZ3S29UcjNnbUpHWHl2a1VxQWxuSzlXYllfMC0?oc=5) · Business Wire
- 2024-10-08 [Gulf Capital Bank names first market president for Spring Branch/Memorial-West Houston - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxNZG42ZFg0cHBCaXcwdzloc3p1RlpLU0xKT3BzLUludV9CNlByaVhqc1JHXzFhdXMzcGI3ZURBS1Zfb1RMTlVsOGg0c2ZMYVU1QzIwTkZ6VFRsWFBqYl81QUVGM0JSb0gtTGwtY09XLTVoQTNhT3BRZDdYM0daZDFGbFh3SFdyUGFNT3FlbDkxa21BWkJqV0tsVGZaTHlhbXBNSHVkV01BUQ?oc=5) · The Business Journals
- 2019-09-30 [Houston area to get first new bank charter since 2009 - Chron](https://news.google.com/rss/articles/CBMirAFBVV95cUxQc1ZNRllWTm5IYzEwazJxc3k3QUZuZEdxZE1oY0c2bUpETWpxeC1KdmRwWE56SHpjNWpHOXRSTGNpTnJCdW9DX2hUeWh5RGk5VjZzc3hFWjNITVFzTlpHSDY2dlFTNFBUMkJiY005T0ItRXZKalNXRUExdjNmTzJJaFBKVEg0MXlfQ3hUd1RaQ19qaDlEclROak9QWVZPLXByM2dyMWlld0hJZk9v?oc=5) · Chron
- 2024-10-07 [Gulf Capital Bank Appoints Allan Li as Director - citybiz.co](https://news.google.com/rss/articles/CBMijwFBVV95cUxPcDRnbmdmLUR3Q1k0SGxMLWZZOHdHdVAwcVJSVkYyUzAzZXMxV0UzSFBXWl84LWJ3T1VGaEJYUGZOXzkyNHBodHlBUEZCbzZHZ0tZMUl3c0ZGZjlabHh6SU90OXhZd0NaaG5SRVJ5SWdlRXI0bkxxTU1zYnlrSmlyY0RvNTJfdHpjazcxTjVlYw?oc=5) · citybiz.co
- 2020-03-12 [Houston de novo bank CEO aims to more than double employees by year's end - The Business Journals](https://news.google.com/rss/articles/CBMif0FVX3lxTE1qR2MtakxOS1BVYl9zOVNCamFCVVl1ZkE2aE9MdUFrNGJaRGtyZEh0ZVFsT1Q0S1dmeGdrcFlKLWlBR2JXVkRFa3dpTjY3VUljNnYxWjUtS1lLVHp1US03TEJYaDZpUmRIb3Z6Qk1MRUx2Y18tanRfQlF3Nzk5bFk?oc=5) · The Business Journals
- 2020-02-24 [Houston de novo bank raises over $93M, opens for business - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxPMnlGZVBsSTFTWUk1UHhNZFRycFgwWmlwVHhMNWJQQzJKWVFPSFJCRDJva2c5NWg0WkJSckJSS01zNVd3QmJJV2toSzB4WEo4SElVX3RqZTJCblhyWWFxSWJYOVBUeWdTSlNjMG5mV3BXM3E0LXVhNVc0YUZoSWNaRGE4OFhiRERPMjZiRTZCa091U0FfamZWZUlVRDd5bU16Vm1qNHBB?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=59185 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/49.json (key "59185", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide