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
Unfavorable gap of $7.1M · efficiency ratio beats 76% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.23% | 0.50% | 0.81% | 1.17% | Beats 76% | 14 / 59 | |
| Return on Equity | 8.32% | 3.03% | 7.73% | 10.80% | Beats 58% | 25 / 59 | |
| Net Interest Margin | 3.02% | 3.01% | 3.53% | 3.99% | Beats 25% | 44 / 59 | |
| Efficiency Ratio | 59.73% | 59.73% | 71.63% | 83.33% | Beats 76% | 15 / 59 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.63% | 0.05% | 0.47% | 2.10% | Beats 41% | 35 / 58 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.00% | Beats 100% | 30 / 58 | |
| Capital |
| Tier 1 Capital Ratio | 14.86% | 12.08% | 14.72% | 19.07% | Beats 51% | 29 / 59 | |
| Total Risk-Based Capital Ratio | 14.86% | 12.87% | 15.46% | 20.26% | Beats 46% | 32 / 59 | |
| Equity / Assets | 14.79% | 9.28% | 12.33% | 14.79% | Beats 75% | 15 / 59 | |
| Liquidity & Funding |
| Loans / Deposits | 88.08% | 68.84% | 84.39% | 93.37% | 58th pctl | 25 / 59 | |
| Loans / Assets | 69.68% | 56.94% | 69.07% | 76.97% | 51st pctl | 29 / 59 | |
| Brokered Deposits / Deposits | 6.13% | n/a | n/a | 4.34% | Beats 20% | 48 / 59 | |