On July 21, Houston-based Gulf Capital Bank announced that Bob S. Smith has been appointed an advisory director on its board of directors. He retired recently from the Texas Department of Banking for which he served as a review examiner. He has more than 12 years of experience with the Texas Department of Banking and more than 35 years of banking experience serving in numerous capacities, including lender, group manager, market president, chief credit officer, CEO and board member of Texas banks since the early 1980s.

A native Texan, Smith holds a BBA degree in finance from Baylor University and has developed significant expertise in all areas of banking, including lending, credit risk assessment, loan review, bank operations management, regulatory compliance and reporting, as well as interest rate risk management and bond portfolio management.

Gulf Capital Bank was established in 2020.