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Gold Coast Bank

$100M-$1B Specialty: Commercial IL FDIC cert 58556

Chicago, IL

2664 banks in the $100M-$1B peer group nationally 211 in IL
View $100M-$1B leaderboard (IL) →

Gold Coast Bank has 2 strengths 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

  • + Efficiency Ratio 5.56% below tier average
  • + Delinquency Rate 0.23% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 35.7% in tier
  • - Non-Interest-Bearing Deposit Share 16.48% below tier average
  • - Net Interest Margin 0.79% below tier average
Get updates when Gold Coast Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $463.1M
+2.6% YoY +0.8% QoQ
+$77.0M $386.1M
+0.5% YoY
$2.3B
+4.5% YoY
$6.2B
+9.1% YoY
68%
Total Loans ? $310.4M
-8.7% YoY -0.8% QoQ
+$54.7M $255.7M
+1.1% YoY
$1.2B
+5.3% YoY
$3.2B
+10.8% YoY
69%
Total Deposits ? $366.4M
+2.6% YoY +0.8% QoQ
+$38.4M $328.0M
+0.1% YoY
$1.9B
+3.9% YoY
$4.8B
+8.2% YoY
65%
Return on Assets ? 1.24%
-6.4% YoY -10.1% QoQ
-0.03% 1.27%
+12.9% YoY
1.04%
+3.0% YoY
1.23%
+13.4% YoY
52%
Net Interest Margin ? 3.14%
-9.9% YoY -12.8% QoQ
-0.79% 3.93%
+6.0% YoY
3.61%
+7.5% YoY
3.89%
+5.7% YoY
16%
Efficiency Ratio ? 59.73%
+2.1% YoY +3.1% QoQ
-5.56% 65.29%
-4.5% YoY
63.68%
-7.4% YoY
66.95%
-4.1% YoY
61%
Delinquency Rate ? 0.66%
+26.0% YoY +12.1% QoQ
-0.23% 0.89%
+18.8% YoY
1.15%
+15.6% YoY
0.95%
+18.8% YoY
38%
Loan-to-Deposit Ratio ? 84.71%
-11.0% YoY -1.6% QoQ
+8.07% 76.64%
+0.8% YoY
71.92%
+1.0% YoY
76.70%
+0.9% YoY
35%
Non-Interest-Bearing Deposit Share ? 5.54%
+14.8% YoY +11.7% QoQ
-16.48% 22.02%
-1.0% YoY
20.45%
-1.2% YoY
22.01%
-1.2% YoY
Bottom 4.1% in tier
Nonperforming Asset Ratio ? 0.75%
+90.2% YoY +5.5% QoQ
+0.11% 0.64%
+19.7% YoY
0.78%
+18.1% YoY
0.67%
+19.3% YoY
28%
Tier 1 Capital Ratio ? 14.86%
+8.8% YoY +0.9% QoQ
-0.97% 15.83%
+1.5% YoY
16.97%
+0.7% YoY
17.06%
+0.8% YoY
65%
Non-Interest Income / Assets ? 0.16%
+26.3% YoY -72.6% QoQ
-0.12% 0.28%
+9.3% YoY
0.34%
+6.9% YoY
0.32%
+4.1% YoY
77%

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)

Credit Quality Pressure

risk
#468 of 1308 • Bottom 35.7% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.66%
(Tier: 0.89%, National: 0.95%)
better than tier avg
1308 of 1308 Community banks match · 1899 nationally
→ Stable +2 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 2664 peers in $100M-$1B

Top Strengths (1 metrics)

627
Non-Interest Income / Assets
revenue_mix
Value: 0.16%
Peer Median: 0.28%
#627 of 2664 Top 23.5% in $100M-$1B

Top Weaknesses (2 metrics)

2555
Non-Interest-Bearing Deposit Share
funding
Value: 5.54%
Peer Median: 22.02%
#2555 of 2664 Bottom 4.1% in $100M-$1B
2245
Net Interest Margin
profitability
Value: 3.14%
Peer Median: 3.93%
#2245 of 2664 Bottom 15.8% in $100M-$1B
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