TX lenders / Community Bank
Gulf Capital Bank
Community Bank · Houston, TX
- Total assets
- $601.9M
- CRE loan book
- $228.3M
- QoQ CRE growth
- 5.3%
- Q1 2026
Recorded CRE activity — harris County
3 commercial deeds of trust recorded recently, verified from county records.
- Jun 26, 2026 · unknownundisclosed
- Jun 26, 2026 · unknownundisclosed
- Jun 25, 2026 · unknownundisclosed
Observed rates
Real loans — SBA 7(a)
8 SBA 7(a) real-estate loans in Texas over the last 12 months · median rate 8.75% (8 variable / 0 fixed) · $10.6M total approved.
Borrower cities: Houston (5), Crystal Beach, Baytown, Tomball.
Source: SBA 7(a) FOIA dataset · most recent approval Mar 10, 2026. Loan-level government-guaranteed pricing; conventional CRE terms may differ.
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 4.80% as of Q1 2026 — TX bank median 6.76% (1.96pp below median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 4.80% | 6.76% |
| Q4 2025 | 5.04% | 7.07% |
| Q3 2025 | 4.72% | 7.38% |
| Q2 2025 | 5.08% | 7.32% |
| Q1 2025 | 4.36% | 7.29% |
| Q4 2024 | 4.71% | 8.11% |
| Q3 2024 | 4.95% | 8.23% |
| Q2 2024 | 4.58% | 7.72% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
For a current market estimate for your property, use the terms estimator →
CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $228.3M | $67.2M | $6.1M | 193% | $0 |
| Q4 2025 | $216.8M | $64.6M | $6.1M | 192% | $0 |
| Q3 2025 | $192.3M | $62.8M | $6.1M | 185% | $0 |
| Q2 2025 | $163.4M | $55.9M | $0 | 156% | $0 |
| Q1 2025 | $140.6M | $49.6M | $0 | 143% | $0 |
| Q4 2024 | $84.5M | $34.6M | $0 | 85% | $0 |
| Q3 2024 | $71.3M | $26.9M | $0 | 82% | $0 |
| Q2 2024 | $69.3M | $25.2M | $0 | 82% | $0 |
Gulf Capital Bank: frequently asked questions
- How large is Gulf Capital Bank's commercial real estate loan book?
- As of Q1 2026, Gulf Capital Bank reported $228.3M in commercial real estate loans out of $601.9M in total assets, per its FFIEC Call Report.
- Is Gulf Capital Bank above the 300% CRE concentration guideline?
- Gulf Capital Bank's CRE loans stood at 193% of total risk-based capital as of Q1 2026, below the 300% CRE concentration supervisory guideline.
- Is Gulf Capital Bank growing or shrinking its CRE lending?
- Gulf Capital Bank's CRE loan book grew 5.3% quarter-over-quarter as of Q1 2026 — a net balance change that reflects payoffs and sales as well as new originations.
- How active is Gulf Capital Bank in recorded CRE lending?
- 3 commercial deeds of trust naming Gulf Capital Bank as lender have been recorded recently in harris County, verified from county records; the most recent was recorded Jun 26, 2026.
Answers generated from the verified data on this page — FFIEC Call Reports, county records, and first-party conversations — as of the dates shown.
Similar lenders
Other community banks we track with a comparable CRE book size.
- The Bank of New GlarusCommunity Bank · New Glarus · $228.8M CRE book
- The New Washington State BankCommunity Bank · New Washington · $227.0M CRE book
- Clear Lake Bank and Trust CompanyCommunity Bank · Clear Lake · $231.3M CRE book
- Baraboo State BankCommunity Bank · Baraboo · $225.1M CRE book
- F&M BankCommunity Bank · Edmond · $224.9M CRE book
Markets where Gulf Capital Bank lends
Gulf Capital Bank has commercial deeds of trust recorded in this metro. See who else is active there and current rate ranges by property type.
Houston
Houston (Harris County)
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.