Gulf Coast Business Bank
Fort Myers, FL · Cert 59281 · Peer group: banks under $1B in assets (n=581-629)
State charter, non-member · FDIC · 1 branch
Q2 2026
$186.6MAssets
$158.0MLoans
$160.3MDeposits
$25.6MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 581).
- Widest gap: return on equity trails 85% of banks under $1B in assets (rank 536 of 629).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.37%
Rank 533 of 629
Net Interest Margin
3.88%
Rank 202 of 629
Efficiency Ratio
85.88%
Rank 521 of 629
Equity / Assets
13.73%
Rank 162 of 629
Non-interest income vs. expense
Unfavorable gap of $6.5M · efficiency ratio beats 17% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.37% | 0.60% | 1.01% | 1.45% | Beats 15% | 533 / 629 | |
| Return on Equity | 2.72% | 5.38% | 9.30% | 13.28% | Beats 15% | 536 / 629 | |
| Net Interest Margin | 3.88% | 3.03% | 3.54% | 4.05% | Beats 68% | 202 / 629 | |
| Efficiency Ratio | 85.88% | 58.35% | 67.79% | 79.08% | Beats 17% | 521 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.46% | 1.20% | Beats 100% | 81 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 12.53% | 11.24% | 13.84% | 18.77% | Beats 39% | 386 / 629 | |
| Total Risk-Based Capital Ratio | 12.53% | 11.58% | 14.43% | 19.66% | Beats 34% | 418 / 629 | |
| Equity / Assets | 13.73% | 9.09% | 10.65% | 13.80% | Beats 74% | 162 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 98.57% | 67.24% | 80.90% | 93.48% | 84th pctl | 97 / 594 | |
| Loans / Assets | 84.69% | 53.31% | 67.71% | 78.15% | 92nd pctl | 52 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |