Community Reinvestment Act

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.

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.

Written Comments

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.

Opened and Closed Branches

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.

List of Products and Services

Schedule of Service Charges and Fees

Loan to Deposit Ratios

2023 Loan to Deposit Ratio

Assessment Areas

A map of each assessment area showing the boundaries of the area and identifying the geographies contained within the area.

Assessment Area Listing, Maps, and Geographies

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.

HMDA Notice

Public Notice

CRA Notice

Any Other Information the Bank Chooses

None at this time.

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