Bank · FDIC insured
Gulf Capital Bank
Top CarrotA $596.5M bank headquartered in Houston, TX, with 1 branch in Texas. Best rates: CDs 4.96% and savings 1.06% APY.
Gulf Capital Bank Carrot Score
Carrot ScoreTop Carrot
Higher than 80% of U.S. banks and credit unions
#29 of 107 in Houston, TX metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Gulf Capital Bank
Gulf Capital Bank is based in Houston, Texas, where it was founded in 2019.
The bank was founded by local bankers to provide commercial banking services to Houston businesses and the greater Houston community.
- Headquarters
- 1 Riverway, Houston, TX 77056
- FDIC certificate
- 59185 ↗
Branches
1 branch in Texas
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Texas
1 branch
- Gulf Capital BankMain office1 Riverway, Houston, TX 77056Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 13.78% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.65% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.71% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $76 | $81 | — |
- CapitalLeverage ratio13.78%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.65%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.71%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$76Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Gulf Capital Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.