BlastPoint's Banking Scorecard
Gulf Coast Business Bank
Fort Myers, FL
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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 44 in FL.
- Deposits +26.3% year over year ($160.3M on the books).
- Delinquency rate 0.00%.
- Return on assets 0.37%.
- Efficiency ratio 85.88% vs a 64.48% peer average.
- Loan-to-deposit ratio 97.29% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Gulf Coast Business Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.92% below tier average
- + Nonperforming Asset Ratio 0.67% below tier average
- + Net Interest Margin 0.23% above tier average
Key Concerns
Areas that may need attention
- - Return on Assets 0.95% below tier average
- - Efficiency Ratio 21.40% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$186.6M
+25.9% YoY
-2.9% QoQ
|
-$200.0M |
$386.6M
+1.2% YoY
|
$4.3B
+7.0% YoY
|
$6.3B
+7.7% YoY
|
23% |
| Total Loans ? |
$155.9M
+31.2% YoY
+4.4% QoQ
|
-$102.4M |
$258.3M
+1.7% YoY
|
$3.0B
+8.2% YoY
|
$3.2B
+9.4% YoY
|
37% |
| Total Deposits ? |
$160.3M
+26.3% YoY
-3.5% QoQ
|
-$166.5M |
$326.7M
+0.7% YoY
|
$3.5B
+7.0% YoY
|
$4.9B
+7.3% YoY
|
24% |
| Return on Assets ? |
0.37%
+134.2% YoY
-32.1% QoQ
|
-0.95% |
1.32%
+10.8% YoY
|
0.62%
-8.3% YoY
|
1.30%
+12.1% YoY
|
Bottom 9.2% in tier |
| Net Interest Margin ? |
4.22%
+3.0% YoY
-2.4% QoQ
|
+0.23% |
3.99%
+5.0% YoY
|
3.70%
+0.5% YoY
|
3.95%
+4.9% YoY
|
66% |
| Efficiency Ratio ? |
85.88%
-22.0% YoY
+4.4% QoQ
|
+21.40% |
64.48%
-3.2% YoY
|
199.20%
+161.3% YoY
|
70.05%
+2.5% YoY
|
Bottom 8.4% in tier |
| Delinquency Rate ? | 0.00% | -0.92% |
0.92%
+15.7% YoY
|
0.61%
-2.0% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
97.29%
+3.9% YoY
+8.2% QoQ
|
+19.34% |
77.95%
+1.0% YoY
|
72.91%
-1.7% YoY
|
79.03%
+2.3% YoY
|
Bottom 13.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.84%
-8.2% YoY
-3.0% QoQ
|
-6.19% |
22.03%
-0.6% YoY
|
27.35%
-2.5% YoY
|
21.98%
-0.6% YoY
|
27% |
| Nonperforming Asset Ratio ? | 0.00% | -0.67% |
0.67%
+16.4% YoY
|
0.42%
-2.6% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
12.53%
-16.6% YoY
-5.2% QoQ
|
-3.37% |
15.91%
+1.4% YoY
|
19.50%
+8.2% YoY
|
17.09%
+0.8% YoY
|
42% |
| Non-Interest Income / Assets ? |
0.15%
+10.7% YoY
+49.7% QoQ
|
-0.42% |
0.57%
+7.6% YoY
|
1.02%
+6.4% YoY
|
0.66%
+5.2% YoY
|
34% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
15.8%
-1.4pp YoY -0.5pp QoQ |
-6.3pp | 22.1% | 27.7% | 22.2% | 27% |
| Brokered Deposits |
11.4%
-2.5pp YoY -5.7pp QoQ |
+3.6pp | 7.9% | 8.7% | 8.5% | 78% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
17.4%
+3.5pp YoY +1.8pp QoQ |
+5.8pp | 11.6% | 12.9% | 12.5% | 83% |
| CRE |
74.5%
-4.7pp YoY -2.9pp QoQ |
+34.9pp | 39.5% | 50.6% | 41.4% | 95% |
| 1-4 Family |
5.5%
0.0pp YoY -0.3pp QoQ |
-27.1pp | 32.6% | 30.7% | 31.3% | 6% |
| Consumer | n/a | n/a | 4.1% | 3.7% | 5.0% | n/a |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 19.8% | 19.7% | n/a |
| Leverage Ratio |
12.5%
-2.5pp YoY -0.7pp QoQ |
+0.4pp | 12.2% | 13.9% | 12.6% | 70% |
| Total Capital Ratio | n/a | n/a | 19.9% | 21.1% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
27
0 YoY +1 (+3.8%) QoQ |
-32 | 58 | 295 | 482 | 22% |
| Assets per Employee ($) |
$6.9M
+25.9% YoY -6.5% QoQ |
-$609K | $7.5M | $10.3M | $8.8M | 50% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 13 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 0.7% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 16.62x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.2% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
2.7%
+10.8pp YoY -1.3pp QoQ |
-9.5pp | 12.2% | 9.3% | 11.6% | 8% |
| Cost of Funds (YTD) |
2.9%
+0.2pp YoY +0.1pp QoQ |
+1.1pp | 1.7% | 1.8% | 1.7% | 96% |
| Net Income ($, YTD) |
$349,000
+149.0% YoY — QoQ |
-$2.2M | $2.6M | $25.2M | $40.4M | 7% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.