Gulf Capital Bank is a bank based in Houston, Texas, established in 2019, with $602 million in total assets across 1 branch. By Trust Grade it ranks 249th of 349 banks we track in Texas. Its capital ratio of 13.0% is stronger than 80% of similarly sized banks, versus a Texas median of 10.9%. It was profitable over the most recent period, with a 0.55% return on assets. No consumer complaints against Gulf Capital Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Gulf Capital Bank compares to Texas peers
How we graded Gulf Capital Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (13.0% capital ratio)
- Profitable (ROA 0.55%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Gulf Capital Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (1)
- 1 Riverway, Houston, TX 77056
Are deposits at Gulf Capital Bank insured?
Yes. Gulf Capital Bank is an FDIC-insured bank (FDIC certificate #59185). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Gulf Capital Bank: frequently asked questions
Is Gulf Capital Bank a good bank?
Gulf Capital Bank earns a Bankzia Trust Grade of A (94/100, "Excellent"), based on a financial-strength score of 94/100 (it has no CFPB complaints on record). Strongly capitalized (13.0% capital ratio); Profitable (ROA 0.55%).
Is Gulf Capital Bank FDIC-insured?
Yes. Gulf Capital Bank is a FDIC-insured bank (FDIC certificate #59185). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Gulf Capital Bank?
Gulf Capital Bank holds $602 million in total assets, ranking 249th of 349 banks we track in Texas. It operates 1 branch.
Does Gulf Capital Bank have CFPB complaints?
No CFPB complaints against Gulf Capital Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
