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Gulf Coast Bank

$100M-$1B Specialty: Commercial LA FDIC cert 20353

Abbeville, LA

9 branches across LA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 73 in LA.
  • Deposits +2.7% year over year ($444.1M on the books).
  • Delinquency rate 0.64%.
  • Return on assets 1.25%.
  • Efficiency ratio 71.16% vs a 64.48% peer average.
  • Loan-to-deposit ratio 65.49% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 73 in LA
View $100M-$1B leaderboard (LA) →

Gulf Coast Bank has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Deposit Franchise: Top 12.6% in tier
  • + Revenue Diversifier: Top 48.9% in tier
  • + Delinquency Rate 0.28% below tier average

Key Concerns

Areas that may need attention

  • - ROA 0.07% below tier average
  • - Efficiency Ratio 6.69% above tier average
Get updates when Gulf Coast Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Total Assets ? $513.7M
+3.0% YoY -0.5% QoQ
+$127.1M $386.6M
+1.2% YoY
$799.3M
+7.8% YoY
$6.3B
+7.7% YoY
73%
Total Loans ? $290.9M
-1.3% YoY -0.3% QoQ
+$32.5M $258.3M
+1.7% YoY
$538.5M
+5.3% YoY
$3.2B
+9.4% YoY
65%
Total Deposits ? $444.1M
+2.7% YoY -0.0% QoQ
+$117.4M $326.7M
+0.7% YoY
$677.9M
+7.3% YoY
$4.9B
+7.3% YoY
74%
Return on Assets ? 1.25%
-0.6% YoY +0.7% QoQ
-0.07% 1.32%
+10.8% YoY
1.37%
+23.6% YoY
1.30%
+12.1% YoY
50%
Net Interest Margin ? 5.03%
+2.2% YoY +1.8% QoQ
+1.04% 3.99%
+5.0% YoY
4.15%
+0.0% YoY
3.95%
+4.9% YoY
Top 7.6% in tier
Efficiency Ratio ? 71.16%
+2.8% YoY +1.2% QoQ
+6.69% 64.48%
-3.2% YoY
69.40%
-0.9% YoY
70.05%
+2.5% YoY
27%
Delinquency Rate ? 0.64%
-9.7% YoY -56.2% QoQ
-0.28% 0.92%
+15.7% YoY
1.53%
+7.9% YoY
0.98%
+16.3% YoY
40%
Loan-to-Deposit Ratio ? 65.49%
-4.0% YoY -0.2% QoQ
-12.46% 77.95%
+1.0% YoY
77.15%
-1.0% YoY
79.03%
+2.3% YoY
76%
Non-Interest-Bearing Deposit Share ? 46.76%
-1.7% YoY -3.0% QoQ
+24.73% 22.03%
-0.6% YoY
24.65%
+0.5% YoY
21.98%
-0.6% YoY
Top 2.3% in tier
Nonperforming Asset Ratio ? 0.36%
-29.8% YoY -56.4% QoQ
-0.31% 0.67%
+16.4% YoY
1.11%
+4.1% YoY
0.69%
+15.8% YoY
47%
Tier 1 Capital Ratio ? 14.75%
-1.1% YoY -5.0% QoQ
-1.16% 15.91%
+1.4% YoY
17.35%
+5.4% YoY
17.09%
+0.8% YoY
64%
Non-Interest Income / Assets ? 0.52%
-8.6% YoY +101.2% QoQ
-0.05% 0.57%
+7.6% YoY
0.33%
+19.6% YoY
0.66%
+5.2% YoY
Top 9.0% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Noninterest-Bearing 46.8%
-0.8pp YoY
-1.4pp QoQ
 +24.6pp 22.1% 24.6% 22.2% 98%
Brokered Deposits n/a n/a 7.9% 6.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
C&I 13.3%
+1.1pp YoY
-0.8pp QoQ
 +1.7pp 11.6% 12.6% 12.5% 69%
CRE 62.9%
+0.8pp YoY
+1.0pp QoQ
 +23.4pp 39.5% 44.9% 41.4% 87%
1-4 Family 17.5%
-1.0pp YoY
+0.1pp QoQ
 -15.2pp 32.6% 34.2% 31.3% 24%
Consumer 5.3%
-1.6pp YoY
-0.4pp QoQ
 +1.2pp 4.1% 4.2% 5.0% 79%

Capital

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 22.5% 19.7% n/a
Leverage Ratio 14.7%
-0.2pp YoY
-0.8pp QoQ
 +2.6pp 12.2% 13.4% 12.6% 85%
Total Capital Ratio n/a n/a 19.9% 23.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Full-Time Employees 121
-9 (-6.9%) YoY
+1 (+0.8%) QoQ
 +62 58 114 482 93%
Assets per Employee ($) $4.2M
+10.7% YoY
-1.3% QoQ
 -$3.3M $7.5M $6.8M $8.8M 6%
Branch Count 9
0 YoY
0 QoQ
 +4 4 9 18 86%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Past Due 90+ Days 0.0%
-0.1pp YoY
-0.6pp QoQ
 -0.3pp 0.3% 0.4% 0.4% 24%
Nonaccrual 0.6%
0.0pp YoY
-0.2pp QoQ
 -0.3pp 0.9% 1.4% 1.0% 59%
Allowance Coverage 1.89x
+8.1% YoY
+125.4% QoQ
 -22.27x 24.15x 27.36x 20.23x 46%
Net Charge-off Rate (YTD) 0.1%
+0.1pp YoY
0.0pp QoQ
 0.0pp 0.1% 0.1% 0.2% 80%

Profitability

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
ROE 9.6%
-0.9pp YoY
+0.2pp QoQ
 -2.6pp 12.2% 12.5% 11.6% 34%
Cost of Funds (YTD) 0.8%
-0.1pp YoY
0.0pp QoQ
 -0.9pp 1.7% 1.7% 1.7% 5%
Net Income ($, YTD) $3.2M
+1.6% YoY
— QoQ
 +$640K $2.6M $5.1M $40.4M 72%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Deposit Franchise

growth
#36 of 278 • Top 12.6% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 46.76%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 5.03%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

Revenue Diversifier

growth
#324 of 661 • Top 48.9% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.52%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 1.25%
(Tier: 1.32%, National: 1.30%)
but worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

62
Non-Interest-Bearing Deposit Share
funding
Value: 46.76%
Peer Median: 22.03%
#62 of 2643 Top 2.3% in $100M-$1B
203
Net Interest Margin
profitability
Value: 5.03%
Peer Median: 3.99%
#203 of 2643 Top 7.6% in $100M-$1B
240
Non-Interest Income / Assets
revenue_mix
Value: 0.52%
Peer Median: 0.57%
#240 of 2643 Top 9.0% in $100M-$1B
637
Loan-to-Deposit Ratio
liquidity
Value: 65.49%
Peer Median: 77.95%
#637 of 2643 Top 24.1% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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