BlastPoint's Banking Scorecard

Gulf Coast Bank

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

Abbeville, LA

9 branches across LA

2664 banks in the $100M-$1B peer group nationally 74 in LA

Gulf Coast Bank has 2 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 16.2% in tier
+ Revenue Diversifier: Top 45.0% in tier

Key Concerns

Areas that may need attention

- Efficiency Ratio 5.02% above tier average
- Delinquency Rate 0.57% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Total Assets ?	$516.3M +3.0% YoY +3.6% QoQ	+$130.2M	$386.1M +0.5% YoY	$784.8M +7.0% YoY	$6.2B +9.1% YoY	73%
Total Loans ?	$291.6M -1.2% YoY +0.2% QoQ	+$35.9M	$255.7M +1.1% YoY	$523.7M +4.0% YoY	$3.2B +10.8% YoY	66%
Total Deposits ?	$444.3M +1.6% YoY +4.2% QoQ	+$116.3M	$328.0M +0.1% YoY	$671.5M +6.9% YoY	$4.8B +8.2% YoY	74%
Return on Assets ?	1.25% +13.1% YoY -10.7% QoQ	-0.02%	1.27% +12.9% YoY	1.24% +12.4% YoY	1.23% +13.4% YoY	53%
Net Interest Margin ?	4.94% +3.1% YoY -0.8% QoQ	+1.01%	3.93% +6.0% YoY	4.12% +1.2% YoY	3.89% +5.7% YoY	Top 8.0% in tier
Efficiency Ratio ?	70.30% -1.0% YoY +1.9% QoQ	+5.02%	65.29% -4.5% YoY	70.37% -1.0% YoY	66.95% -4.1% YoY	32%
Delinquency Rate ?	1.46% +41.7% YoY +2.0% QoQ	+0.57%	0.89% +18.8% YoY	1.51% +4.5% YoY	0.95% +18.8% YoY	19%
Loan-to-Deposit Ratio ?	65.64% -2.7% YoY -3.8% QoQ	-11.00%	76.64% +0.8% YoY	75.16% -1.5% YoY	76.70% +0.9% YoY	74%
Non-Interest-Bearing Deposit Share ?	48.19% +1.1% YoY +2.2% QoQ	+26.17%	22.02% -1.0% YoY	24.55% -1.4% YoY	22.01% -1.2% YoY	Top 2.0% in tier
Nonperforming Asset Ratio ?	0.83% +17.7% YoY -9.3% QoQ	+0.20%	0.64% +19.7% YoY	1.07% +4.2% YoY	0.67% +19.3% YoY	25%
Tier 1 Capital Ratio ?	15.51% +5.5% YoY +0.9% QoQ	-0.32%	15.83% +1.5% YoY	16.56% +0.4% YoY	17.06% +0.8% YoY	69%
Non-Interest Income / Assets ?	0.26% -6.6% YoY -76.7% QoQ	-0.02%	0.28% +9.3% YoY	0.11% -17.3% YoY	0.32% +4.1% YoY	Top 8.6% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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

#45 of 272 • Top 16.2% 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: 48.19%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.94%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank declining

Revenue Diversifier

growth

#301 of 666 • Top 45.0% 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: 0.26%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 1.25%

(Tier: 1.27%, National: 1.23%)

but worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | 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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 48.19%

Peer Median: 22.02%

#55 of 2664 Top 2.0% in $100M-$1B

213

Net Interest Margin

profitability

Value: 4.94%

Peer Median: 3.93%

#213 of 2664 Top 8.0% in $100M-$1B

230

Non-Interest Income / Assets

revenue_mix

Value: 0.26%

Peer Median: 0.28%

#230 of 2664 Top 8.6% in $100M-$1B

Top Weaknesses (2 metrics)

2151

Delinquency Rate

credit_quality

Value: 1.46%

Peer Median: 0.89%

#2151 of 2654 Bottom 19.0% in $100M-$1B

2008

Nonperforming Asset Ratio

credit_quality

Value: 0.83%

Peer Median: 0.64%

#2008 of 2664 Bottom 24.7% in $100M-$1B