BlastPoint's Banking Scorecard
Gulf Capital Bank
Community
Specialty: Commercial
TX
FDIC cert 59185
Houston, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
Gulf Capital Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 7% in Community
- - Efficiency Ratio 21.84% above tier
- - Non-Interest Income / Assets 0.60% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$588.7M
+9.2% YoY
+1.3% QoQ
|
-$802.8M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Bottom 13% in tier |
| Total Loans ? |
$347.3M
+67.9% YoY
+5.3% QoQ
|
-$628.2M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 8% in tier |
| Total Deposits ? |
$493.6M
+13.7% YoY
+7.4% QoQ
|
-$671.0M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Bottom 12% in tier |
| Return on Assets ? |
0.66%
+96.0% QoQ
|
-0.51% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
17% |
| Net Interest Margin ? |
2.92%
+26.6% YoY
+2.0% QoQ
|
-0.75% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Bottom 15% in tier |
| Efficiency Ratio ? |
84.47%
-14.8% YoY
+5.0% QoQ
|
+21.84% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 7% in tier |
| Delinquency Rate ? |
0.72%
-66.6% YoY
-38.4% QoQ
|
+0.09% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
35% |
| Loan-to-Deposit Ratio ? |
70.35%
+47.7% YoY
-1.9% QoQ
|
-12.71% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
80% |
| Non-Interest-Bearing Deposit Share ? |
13.82%
-31.2% YoY
+3.1% QoQ
|
-7.23% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
21% |
| Nonperforming Asset Ratio ? |
0.42%
-48.7% YoY
-36.0% QoQ
|
-0.07% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
44% |
| Tier 1 Capital Ratio ? |
16.64%
-21.5% YoY
-2.7% QoQ
|
+6.40% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 15% in tier |
| Non-Interest Income / Assets ? |
0.14%
+0.6% YoY
+30.3% QoQ
|
-0.60% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Bottom 6% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
NIB Deposit Bleed
decline
#7 of 89 · Bottom 7% in Community
Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Why this signature
Noninterest-Bearing Deposit Share:
13.82%
(Tier: 21.05%, National: 21.79%)
89 of 89 Community banks match
·
98 nationally
→ Stable
-10 banks QoQ
|
QoQ rank improving
Efficiency Ratio
metric
Bottom 7%
in Community
Why this stands out
Current:
84.47%
(Tier avg: 62.63%, National avg: 65.09%)
Non-Interest Income / Assets
metric
Bottom 6%
in Community
Why this stands out
Current:
0.14%
(Tier avg: 0.74%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
85
85th pctile
Tier 1 Capital Ratio
Current: 16.64% · Tier avg: 10.24%
80
80th pctile
Loan-to-Deposit Ratio
Current: 70.35% · Tier avg: 83.06%
44
44th pctile
Nonperforming Asset Ratio
Current: 0.42% · Tier avg: 0.50%
35
35th pctile
Delinquency Rate
Current: 0.72% · Tier avg: 0.63%
21
21th pctile
Non-Interest-Bearing Deposit Share
Current: 13.82% · Tier avg: 21.05%
17
17th pctile
Return on Assets
Current: 0.66% · Tier avg: 1.16%
15
15th pctile
Net Interest Margin
Current: 2.92% · Tier avg: 3.66%
13
13th pctile
Total Assets
Current: $588.7M · Tier avg: $1.4B
12
12th pctile
Total Deposits
Current: $493.6M · Tier avg: $1.2B
8
8th pctile
Total Loans
Current: $347.3M · Tier avg: $975.5M
7
7th pctile
Efficiency Ratio
Current: 84.47% · Tier avg: 62.63%
6
6th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.74%
Top Weaknesses
6
6th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.74%
7
7th pctile
Efficiency Ratio
Current: 84.47% · Tier avg: 62.63%
8
8th pctile
Total Loans
Current: $347.3M · Tier avg: $975.5M
12
12th pctile
Total Deposits
Current: $493.6M · Tier avg: $1.2B
13
13th pctile
Total Assets
Current: $588.7M · Tier avg: $1.4B
15
15th pctile
Net Interest Margin
Current: 2.92% · Tier avg: 3.66%
17
17th pctile
Return on Assets
Current: 0.66% · Tier avg: 1.16%
21
21th pctile
Non-Interest-Bearing Deposit Share
Current: 13.82% · Tier avg: 21.05%
35
35th pctile
Delinquency Rate
Current: 0.72% · Tier avg: 0.63%
44
44th pctile
Nonperforming Asset Ratio
Current: 0.42% · Tier avg: 0.50%
80
80th pctile
Loan-to-Deposit Ratio
Current: 70.35% · Tier avg: 83.06%
85
85th pctile
Tier 1 Capital Ratio
Current: 16.64% · Tier avg: 10.24%