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Gold Coast Bank

Chicago, IL · Cert 58556 · GC Bcorp Inc.

State charter, non-member · FDIC · 1 branch

Q1 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area3

Basis

Quarter: Q1 2026, the quarter ended March 31, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=58 to 59). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

57

Q2 2024Q1 2026peer median (50)

Asset Quality

71

Q2 2024Q1 2026peer median (50)

Profitability

53

Q2 2024Q1 2026peer median (50)

Liquidity

84

Q2 2024Q1 2026peer median

Efficiency

76

Q2 2024Q1 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Gold Coast Bank

Chicago, IL · Cert 58556 · GC Bcorp Inc.

State charter, non-member · FDIC · 1 branch

Q1 2026

$463.1MAssets
$322.7MLoans
$366.4MDeposits
$68.5MEquity
Loan mix
94%RE $305.5M5%C&I $17.0M0%Consumer $1.6MQ1 2025Q1 2026
Deposit mix
94%Interest-bearing $346.1M6%Noninterest $20.3MQ1 2025Q1 2026

NIM

7.15%Q1 ’246.85%Q1 ’256.08%Q1 ’26-5%-10%

Non-interest income vs. expense

2.08%Q1 ’242.25%Q1 ’252.18%Q1 ’26+2%-12%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2025 SOD (annual) · 0.1% share · #84 of 152 inst. · $0.4B of $601.9B

Executive Summary

  • Earnings: ROA of 1.24%, down 9 bps year over year; NIM at 3.02%.
  • Asset quality: problem loans at 0.63% of loans (+13 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 14.86%, up 120 bps from a year ago.
  • Funding: loans stand at 88.08% of deposits as of Q1 2026.

Financial Results

Return on Assets (YTD, annualized)

1.24%-9 bps YoY

Net Interest Margin (YTD, annualized)

3.02%-33 bps YoY

Efficiency Ratio (YTD, annualized)

59.73%+124 bps YoY

Tier 1 Leverage Ratio

14.86%+120 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2025Q2 2025Q3 2025Q4 2025Q1 2026YoY ΔTrend
Earnings
Return on Assets1.32%1.37%1.41%1.37%1.24%-9 bps
Return on Equity9.82%10.05%10.17%9.80%8.41%-141 bps
Net Interest Margin3.35%3.49%3.50%3.45%3.02%-33 bps
Efficiency Ratio58.49%57.98%56.98%57.92%59.73%+124 bps
Non-Interest Burden1.75%1.80%1.78%1.75%1.54%-21 bps
Growth
Asset Growth (YoY)-0.66%1.88%-2.23%-0.94%2.58%+325 bps
Loan Growth (YoY)-0.54%-3.76%-3.59%-8.35%-8.73%-819 bps
Deposit Growth (YoY)-1.55%1.51%-3.41%-1.32%2.60%+415 bps
Asset Quality
Nonperforming Loans / Loans0.50%0.69%0.56%0.57%0.63%+13 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans3.83%3.87%3.86%3.88%3.82%-1 bps
Allowance Coverage of NPLs7.6x5.6x6.8x6.9x6.0x-1.6x
Capital
Tier 1 Leverage Ratio13.66%14.19%14.43%14.73%14.86%+120 bps
Total Risk-Based Capital13.66%14.19%14.43%14.73%14.86%+120 bps
Equity / Assets13.80%14.11%14.52%14.59%14.79%+99 bps
Liquidity & Funding
Loans / Deposits99.01%95.85%94.61%89.60%88.08%-1,093 bps
Liquid Assets / Assets19.29%22.04%23.84%26.22%27.75%+846 bps
CRE / Total Capitaln/an/a230%217%218%n/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Gold Coast Bank

Chicago, IL · Cert 58556 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=58-59) · GC Bcorp Inc.

State charter, non-member · FDIC · 1 branch

Q1 2026

$463.1MAssets
$322.7MLoans
$366.4MDeposits
$68.5MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 30 of 58).
  • Widest gap: brokered deposits / deposits trails 80% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 48 of 59).
  • Overall: at or above the peer median on 6 of 10 directional measures.

Return on Assets

1.23%

Rank 14 of 59

Net Interest Margin

3.02%

Rank 44 of 59

Efficiency Ratio

59.73%

Rank 15 of 59

Equity / Assets

14.79%

Rank 15 of 59

Non-interest income vs. expense

$2.9M$10.1MINCOMEEXPENSE
Unfavorable gap of $7.1M · efficiency ratio beats 76% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 59.73%Peer median 71.6%Q2 2024Q1 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.23%0.50%0.81%1.17%Beats 76%14 / 59
Return on Equity8.32%3.03%7.73%10.80%Beats 58%25 / 59
Net Interest Margin3.02%3.01%3.53%3.99%Beats 25%44 / 59
Efficiency Ratio59.73%59.73%71.63%83.33%Beats 76%15 / 59
Asset Quality
Nonperforming Loans / Loans0.63%0.05%0.47%2.10%Beats 41%35 / 58
Net Charge-Offs / Loans0.00%n/a0.00%0.00%Beats 100%30 / 58
Capital
Tier 1 Capital Ratio14.86%12.08%14.72%19.07%Beats 51%29 / 59
Total Risk-Based Capital Ratio14.86%12.87%15.46%20.26%Beats 46%32 / 59
Equity / Assets14.79%9.28%12.33%14.79%Beats 75%15 / 59
Liquidity & Funding
Loans / Deposits88.08%68.84%84.39%93.37%58th pctl25 / 59
Loans / Assets69.68%56.94%69.07%76.97%51st pctl29 / 59
Brokered Deposits / Deposits6.13%n/an/a4.34%Beats 20%48 / 59