BlastPoint's Banking Scorecard
Gulf Coast Business Bank
Fort Myers, FL
Gulf Coast Business Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.89% below tier average
- + Nonperforming Asset Ratio 0.64% below tier average
- + Net Interest Margin 0.39% above tier average
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 20.7% in tier
- - ROA 0.72% below tier average
- - Efficiency Ratio 16.97% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$192.2M
+47.5% YoY
+6.1% QoQ
|
-$193.9M |
$386.1M
+0.5% YoY
|
$4.3B
+10.8% YoY
|
$6.2B
+9.1% YoY
|
25% |
| Total Loans ? |
$149.4M
+49.1% YoY
+0.8% QoQ
|
-$106.3M |
$255.7M
+1.1% YoY
|
$3.0B
+12.4% YoY
|
$3.2B
+10.8% YoY
|
36% |
| Total Deposits ? |
$166.1M
+46.8% YoY
+7.3% QoQ
|
-$161.8M |
$328.0M
+0.1% YoY
|
$3.6B
+11.7% YoY
|
$4.8B
+8.2% YoY
|
25% |
| Return on Assets ? |
0.55%
+134.3% YoY
-14.9% QoQ
|
-0.72% |
1.27%
+12.9% YoY
|
0.83%
+61.5% YoY
|
1.23%
+13.4% YoY
|
Bottom 14.3% in tier |
| Net Interest Margin ? |
4.32%
+7.9% YoY
+5.3% QoQ
|
+0.39% |
3.93%
+6.0% YoY
|
3.75%
+4.2% YoY
|
3.89%
+5.7% YoY
|
74% |
| Efficiency Ratio ? |
82.25%
-33.5% YoY
-20.2% QoQ
|
+16.97% |
65.29%
-4.5% YoY
|
71.93%
-25.2% YoY
|
66.95%
-4.1% YoY
|
Bottom 12.7% in tier |
| Delinquency Rate ? |
0.00%
-100.0% QoQ
|
-0.89% |
0.89%
+18.8% YoY
|
0.63%
-5.7% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
89.93%
+1.6% YoY
-6.0% QoQ
|
+13.29% |
76.64%
+0.8% YoY
|
73.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
24% |
| Non-Interest-Bearing Deposit Share ? |
16.33%
-22.1% YoY
+18.9% QoQ
|
-5.69% |
22.02%
-1.0% YoY
|
27.22%
-2.5% YoY
|
22.01%
-1.2% YoY
|
29% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% QoQ
|
-0.64% |
0.64%
+19.7% YoY
|
0.43%
-5.1% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
13.22%
-1.7% YoY
-12.1% QoQ
|
-2.61% |
15.83%
+1.5% YoY
|
16.64%
-24.7% YoY
|
17.06%
+0.8% YoY
|
49% |
| Non-Interest Income / Assets ? |
0.10%
+32.8% YoY
-48.7% QoQ
|
-0.18% |
0.28%
+9.3% YoY
|
0.50%
+7.6% YoY
|
0.32%
+4.1% YoY
|
51% |
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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)
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.