SBA lender profile
Gulf Capital Bank
Gulf Capital Bank appears in the public SBA loan data with 9 funded 7(a) loans totaling $12.2M, an average of $1.4M per loan, and an estimated 138 jobs supported. Its SBA lending concentrates in Texas and the Retail Trade sector. Across all of its loans in the data, its charge-off rate is 0.0%.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, as of 2026-03-31
Funded loans
9
Total volume
$12.2M
Average loan size
$1.4M
Charge-off rate
0.0%
Share of funded loans charged off
Jobs supported (reported)
138
Programs
7(a)
Bank profile
via FDIC- Total assets
- $602M
- Headquarters
- Houston, TX
- FDIC cert
- #59185
- Status
- Active
Where Gulf Capital Bank lends
Top states by funded SBA volume.
| State | Loans | Total volume |
|---|---|---|
| Texas | 9 | $12.2M |
What Gulf Capital Bank funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Retail Trade | 3 | $6.4M |
| Accommodation and Food Services | 4 | $3.8M |
| Professional and Technical Services | 1 | $1.6M |
| Health Care and Social Assistance | 1 | $467K |
Gulf Capital Bank SBA lending by year
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2025 | 5 | $4.4M |
| 2026 | 4 | $7.8M |
Sources and disclaimer. All figures are computed from
the U.S. Small Business Administration's public FOIA 7(a) and 504 loan data (as of 2026-03-31),
as described in our methodology.
The charge-off rate is the share of Gulf Capital Bank's funded loans marked charged off across all of its
loans in the data; it is not a lifetime default rate. SBA Loan Index is not affiliated with the
SBA and is not a lender, broker, or financial advisor. This is general information, not advice.
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