Gulf Coast Bank and Trust Company
New Orleans, LA · Cert 32974 · Peer group: banks $1B-$10B in assets (n=322-328)
State charter, non-member · FDIC · 24 branches
Q2 2026
$3.9BAssets
$2.8BLoans
$3.3BDeposits
$325.4MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 97% of banks $1B-$10B in assets (rank 9 of 328).
- Widest gap: net charge-offs / loans trails 92% of banks $1B-$10B in assets (rank 297 of 322).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
1.07%
Rank 210 of 328
Net Interest Margin
6.65%
Rank 9 of 328
Efficiency Ratio
73.97%
Rank 287 of 328
Equity / Assets
8.44%
Rank 291 of 328
Non-interest income vs. expense
Unfavorable gap of $171.9M · efficiency ratio beats 13% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.07% | 0.91% | 1.22% | 1.52% | Beats 36% | 210 / 328 | | |
| Return on Equity | 12.70% | 8.43% | 11.45% | 14.43% | Beats 59% | 133 / 328 | | |
| Net Interest Margin | 6.65% | 3.03% | 3.45% | 3.83% | Beats 97% | 9 / 328 | | |
| Efficiency Ratio | 73.97% | 51.61% | 59.56% | 67.53% | Beats 13% | 287 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.60% | 0.24% | 0.51% | 1.03% | Beats 14% | 279 / 322 | | |
| Net Charge-Offs / Loans | 0.38% | 0.01% | 0.03% | 0.10% | Beats 8% | 297 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 11.85% | 11.75% | 13.15% | 15.47% | Beats 27% | 239 / 328 | | |
| Total Risk-Based Capital Ratio | 13.10% | 12.63% | 14.15% | 16.46% | Beats 32% | 224 / 328 | | |
| Equity / Assets | 8.44% | 9.15% | 10.33% | 12.01% | Beats 11% | 291 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 85.25% | 76.63% | 87.92% | 95.36% | 43rd pctl | 183 / 323 | | |
| Loans / Assets | 73.19% | 65.18% | 74.15% | 79.98% | 46th pctl | 177 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |