Regulatory Disclosure
Community Reinvestment Act Public File
Gulf Capital Bank is committed to meeting the credit needs of the communities we serve, including low- and moderate-income neighborhoods, consistent with safe and sound banking operations.
Community Reinvestment Act (CRA) Public File
At Gulf Capital Bank, we strive to positively impact our local communities. We are committed to meeting the financial needs of these communities, including all low and moderate income and minority areas within our footprint. Gulf Capital Bank is pleased to provide information for public inspection under the Community Reinvestment Act (CRA). By providing this information online, Gulf Capital Bank can keep it current with convenient access.
Public Information Available for Inspection
In compliance with CRA requirements, the following information must be maintained in the public file, current as of April 1 of each year, and may be updated periodically.
CRA Performance Evaluation
A copy of the bank’s most recent CRA Performance Evaluation.
Written Comments
All written comments received from the public for the current year and each of the prior two calendar years relating specifically to the banks performance in helping to meet community credit needs and response to the comments by the bank.
Branch and ATM Information
A list of the bank’s branches, ATM’s, their street addresses, and geographies, including hours of operation.
Branch and ATM Information
Opened and Closed Branches
Branches opened or closed by the bank during the current year and each of the prior two calendar years.
List of Products, Services, and Fees
A list of services (loan and deposit products and transaction fees) generally offered at the bank’s branches and descriptions of material differences in the availability or cost of services at particular branches, if any.
Assessment Areas
A map of each assessment area showing the boundaries of the area and identifying the geographies contained within the area.
Additional Information Available to the Public
CRA Disclosure Statement
Gulf Capital Bank is not currently subject to reporting.
HMDA Notice
Effective January 1, 2018, the Home Mortgage Disclosure Act (HMDA) data about our residential mortgage lending are available online for review. The data shows geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials.
Public Notice
Any Other Information the Bank Chooses
None at this time.
