BlastPoint's Banking Scorecard
Gulf Coast Bank and Trust Company
Designations: ✓ Community bank
New Orleans, LA
40 branches across LA · FL · TX · AL · AZ · MN · MS · TN
Gulf Coast Bank and Trust Company has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 3.09% above tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 20.2% in tier
- - Efficiency Ratio 11.18% above tier average
- - Delinquency Rate 0.88% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.7B
+8.7% YoY
+2.3% QoQ
|
+$898.5M |
$2.8B
-0.1% YoY
|
$784.8M
+7.0% YoY
|
$6.2B
+9.1% YoY
|
78% |
| Total Loans ? |
$2.6B
+8.3% YoY
+2.0% QoQ
|
+$620.0M |
$2.0B
+0.6% YoY
|
$523.7M
+4.0% YoY
|
$3.2B
+10.8% YoY
|
77% |
| Total Deposits ? |
$3.2B
+9.1% YoY
+2.7% QoQ
|
+$893.4M |
$2.3B
-0.3% YoY
|
$671.5M
+6.9% YoY
|
$4.8B
+8.2% YoY
|
79% |
| Return on Assets ? |
0.91%
-22.9% YoY
-21.2% QoQ
|
-0.46% |
1.37%
+19.6% YoY
|
1.24%
+12.4% YoY
|
1.23%
+13.4% YoY
|
26% |
| Net Interest Margin ? |
6.91%
-0.7% YoY
-3.9% QoQ
|
+3.09% |
3.82%
+6.9% YoY
|
4.12%
+1.2% YoY
|
3.89%
+5.7% YoY
|
Top 1.7% in tier |
| Efficiency Ratio ? |
72.24%
-1.6% YoY
+1.5% QoQ
|
+11.18% |
61.06%
-4.6% YoY
|
70.37%
-1.0% YoY
|
66.95%
-4.1% YoY
|
19% |
| Delinquency Rate ? |
1.77%
-29.2% YoY
+26.0% QoQ
|
+0.88% |
0.89%
+14.1% YoY
|
1.51%
+4.5% YoY
|
0.95%
+18.8% YoY
|
Bottom 11.5% in tier |
| Loan-to-Deposit Ratio ? |
79.86%
-0.7% YoY
-0.7% QoQ
|
-4.34% |
84.20%
+0.3% YoY
|
75.16%
-1.5% YoY
|
76.70%
+0.9% YoY
|
66% |
| Non-Interest-Bearing Deposit Share ? |
19.87%
-5.3% YoY
+3.4% QoQ
|
-1.42% |
21.29%
-2.5% YoY
|
24.55%
-1.4% YoY
|
22.01%
-1.2% YoY
|
52% |
| Nonperforming Asset Ratio ? |
1.32%
-24.8% YoY
+27.5% QoQ
|
+0.64% |
0.67%
+15.6% YoY
|
1.07%
+4.2% YoY
|
0.67%
+19.3% YoY
|
Bottom 13.3% in tier |
| Tier 1 Capital Ratio ? |
12.21%
+17.7% YoY
+0.4% QoQ
|
-2.95% |
15.16%
+2.0% YoY
|
16.56%
+0.4% YoY
|
17.06%
+0.8% YoY
|
36% |
| Non-Interest Income / Assets ? |
0.30%
-6.7% YoY
-78.0% QoQ
|
+0.04% |
0.26%
+1.6% YoY
|
0.11%
-17.3% YoY
|
0.32%
+4.1% YoY
|
Top 13.6% in tier |
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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 (0)
Concerns (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.