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Gulf Coast Bank and Trust Company

$1B-$10B Specialty: Commercial LA FDIC cert 32974

New Orleans, LA

40 branches across LA · FL · TX · AL · AZ · MN · MS · TN

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 885 banks in the $1B-$10B peer group nationwide — 1 of 18 in LA.
  • Deposits +7.4% year over year ($3.3B on the books).
  • Delinquency rate 1.63%.
  • Return on assets 1.11%.
  • Efficiency ratio 71.52% vs a 59.73% peer average.
  • Loan-to-deposit ratio 83.69% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 18 in LA
View $1B-$10B leaderboard (LA) →

Gulf Coast Bank and Trust Company has 1 strength but faces 3 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

  • + Net Interest Margin 3.16% above tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 30.6% in tier
  • - Efficiency Ratio 11.80% above tier average
  • - Delinquency Rate 0.77% above tier average
Get updates when Gulf Coast Bank and Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Total Assets ? $3.9B
+9.1% YoY +3.8% QoQ
+$1.1B $2.8B
-0.6% YoY
$799.3M
+7.8% YoY
$6.3B
+7.7% YoY
79%
Total Loans ? $2.8B
+11.5% YoY +7.2% QoQ
+$807.4M $2.0B
-0.3% YoY
$538.5M
+5.3% YoY
$3.2B
+9.4% YoY
80%
Total Deposits ? $3.3B
+7.4% YoY +2.3% QoQ
+$991.8M $2.3B
-0.5% YoY
$677.9M
+7.3% YoY
$4.9B
+7.3% YoY
80%
Return on Assets ? 1.11%
-14.8% YoY +22.0% QoQ
-0.28% 1.39%
+17.0% YoY
1.37%
+23.6% YoY
1.30%
+12.1% YoY
38%
Net Interest Margin ? 7.03%
-0.8% YoY +1.7% QoQ
+3.16% 3.87%
+6.2% YoY
4.15%
+0.0% YoY
3.95%
+4.9% YoY
Top 1.6% in tier
Efficiency Ratio ? 71.52%
+0.3% YoY -1.0% QoQ
+11.80% 59.73%
-12.6% YoY
69.40%
-0.9% YoY
70.05%
+2.5% YoY
18%
Delinquency Rate ? 1.63%
-30.6% YoY -7.9% QoQ
+0.77% 0.87%
+11.7% YoY
1.53%
+7.9% YoY
0.98%
+16.3% YoY
Bottom 13.6% in tier
Loan-to-Deposit Ratio ? 83.69%
+3.9% YoY +4.8% QoQ
-1.35% 85.04%
-0.1% YoY
77.15%
-1.0% YoY
79.03%
+2.3% YoY
59%
Non-Interest-Bearing Deposit Share ? 20.50%
-4.4% YoY +3.2% QoQ
-0.77% 21.27%
-1.5% YoY
24.65%
+0.5% YoY
21.98%
-0.6% YoY
54%
Nonperforming Asset Ratio ? 1.26%
-24.1% YoY -4.7% QoQ
+0.58% 0.67%
+11.7% YoY
1.11%
+4.1% YoY
0.69%
+15.8% YoY
Bottom 14.7% in tier
Tier 1 Capital Ratio ? 11.85%
+12.7% YoY -3.0% QoQ
-3.00% 14.84%
-0.4% YoY
17.35%
+5.4% YoY
17.09%
+0.8% YoY
30%
Non-Interest Income / Assets ? 0.57%
-14.6% YoY +92.3% QoQ
+0.05% 0.53%
+2.5% YoY
0.33%
+19.6% YoY
0.66%
+5.2% YoY
85%

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 20.5%
-0.9pp YoY
+0.6pp QoQ
 -0.9pp 21.4% 24.6% 22.2% 54%
Brokered Deposits 1.9%
+0.5pp YoY
0.0pp QoQ
 -7.5pp 9.5% 6.7% 8.5% 26%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
C&I 46.9%
+10.8pp YoY
+1.1pp QoQ
 +32.9pp 14.0% 12.6% 12.5% 98%
CRE 34.2%
+2.9pp YoY
-0.8pp QoQ
 -15.8pp 50.0% 44.9% 41.4% 14%
1-4 Family 18.0%
-2.3pp YoY
-1.3pp QoQ
 -8.4pp 26.4% 34.2% 31.3% 38%
Consumer 2.1%
0.0pp YoY
+1.0pp QoQ
 -2.6pp 4.7% 4.2% 5.0% 65%

Capital

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
CET1 Ratio 11.8%
+1.3pp YoY
-0.4pp QoQ
 -3.7pp 15.6% 22.5% 19.7% 21%
Leverage Ratio 9.1%
+0.5pp YoY
+0.1pp QoQ
 -2.2pp 11.3% 13.4% 12.6% 13%
Total Capital Ratio 13.1%
+1.3pp YoY
-0.4pp QoQ
 -3.6pp 16.7% 23.6% 20.8% 23%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Full-Time Employees 926
+3 (+0.3%) YoY
+5 (+0.5%) QoQ
 +612 313 114 482 96%
Assets per Employee ($) $4.2M
+8.8% YoY
+3.3% QoQ
 -$6.3M $10.5M $6.8M $8.8M 2%
Branch Count 40
+2 (+5.3%) YoY
+1 (+2.6%) QoQ
 +20 20 9 18 90%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Past Due 90+ Days 0.2%
-0.1pp YoY
0.0pp QoQ
 +0.1pp 0.2% 0.4% 0.4% 88%
Nonaccrual 1.4%
-0.6pp YoY
-0.1pp QoQ
 +0.6pp 0.8% 1.4% 1.0% 84%
Allowance Coverage 1.14x
+34.1% YoY
+3.9% QoQ
 -17.57x 18.71x 27.36x 20.23x 28%
Net Charge-off Rate (YTD) 0.4%
0.0pp YoY
-0.1pp QoQ
 +0.2pp 0.3% 0.1% 0.2% 90%

Profitability

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
ROE 13.0%
-3.0pp YoY
+2.4pp QoQ
 +0.4pp 12.6% 12.5% 11.6% 57%
Cost of Funds (YTD) 2.1%
-0.3pp YoY
0.0pp QoQ
 +0.2pp 1.9% 1.7% 1.7% 64%
Net Income ($, YTD) $20.7M
-7.6% YoY
— QoQ
 +$1.4M $19.2M $5.1M $40.4M 71%

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 (0)

No matched strength signatures this quarter

Concerns (1)

Margin Compression

decline
#27 of 85 • Bottom 30.6% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.11%
(Tier: 1.39%, National: 1.30%)
worse than tier avg
85 of 85 Mid-Market banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank declining

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 885 peers in $1B-$10B

Top Strengths (5 metrics)

15
Net Interest Margin
profitability
Value: 7.03%
Peer Median: 3.87%
#15 of 885 Top 1.6% in $1B-$10B
135
Non-Interest Income / Assets
revenue_mix
Value: 0.57%
Peer Median: 0.53%
#135 of 885 Top 15.1% in $1B-$10B
178
Total Loans
size
Value: $2.77B
Peer Median: $1.96B
#178 of 885 Top 20.0% in $1B-$10B
180
Total Deposits
size
Value: $3.31B
Peer Median: $2.32B
#180 of 885 Top 20.2% in $1B-$10B
183
Total Assets
size
Value: $3.86B
Peer Median: $2.79B
#183 of 885 Top 20.6% in $1B-$10B

Top Weaknesses (3 metrics)

763
Delinquency Rate
credit_quality
Value: 1.63%
Peer Median: 0.87%
#763 of 882 Bottom 13.6% in $1B-$10B
756
Nonperforming Asset Ratio
credit_quality
Value: 1.26%
Peer Median: 0.67%
#756 of 885 Bottom 14.7% in $1B-$10B
725
Efficiency Ratio
profitability
Value: 71.52%
Peer Median: 59.73%
#725 of 885 Bottom 18.2% in $1B-$10B
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