Gulf Coast Bank and Trust Company
Gulf Coast Bank and Trust Company reported total assets of $3.9 bn at Q2 2026, up 9.1% on a year earlier, the 339th largest of 497 banks in our US coverage. The CET1 capital ratio at Gulf Coast Bank and Trust Company was 11.85%. Gulf Coast Bank and Trust Company held deposits of $3.3 bn. Source: FDIC Call Reports.
Key takeaways
- On return on equity (ROE), Gulf Coast Bank and Trust Company slipped from 81st to 212th among 500 US banks between and (1 = highest; FDIC Call Reports).
- Gulf Coast Bank and Trust Company has one of the highest net interest margin readings among banks of $1 bn to $10 bn: 7.03% at , against a median of 3.66% across 339 banks (FDIC Call Reports).
What sets Gulf Coast Bank and Trust Company apart
How large is Gulf Coast Bank and Trust Company?
The balance sheet of Gulf Coast Bank and Trust Company at : assets $3.9 bn, deposits $3.3 bn, net loans $2.8 bn (loans equal to 83.69% of deposits). Securities make up 19.7% of total assets at Gulf Coast Bank and Trust Company. Since , when Gulf Coast Bank and Trust Company held $1.4 bn, its assets grew 180.8%. In the year to , deposits at Gulf Coast Bank and Trust Company rose 7.4% while its total assets rose 9.1%. At , Gulf Coast Bank and Trust Company employed 926 full-time equivalent staff across 40 offices, about $4.2 mn of assets per employee and $82.8 mn of deposits per office.
How much funding at Gulf Coast Bank and Trust Company is uninsured?
At Gulf Coast Bank and Trust Company, uninsured deposits (above the FDIC limit) made up 21.40% of domestic deposits at (-1.57 pp on a year earlier); Gulf Coast Bank and Trust Company ranks 400th of 500 on this measure. In dollars, Gulf Coast Bank and Trust Company estimated $708.6 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $3.3 bn | +7.4% | 336th of 499 |
| Net loans and leases | $2.8 bn | +11.5% | 333rd of 500 |
| Loan-to-deposit ratio | 83.69% | +3.12 pp | 297th of 500 |
| Tier 1 leverage ratio | 9.07% | +0.46 pp | 424th of 500 |
| Total risk-based capital ratio | 13.10% | +1.34 pp | 348th of 448 |
| Net interest margin | 7.03% | -0.06 pp | 14th of 500 |
| Return on assets (ROA) | 1.11% | -0.19 pp | 342nd of 500 |
| Efficiency ratio | 71.52% | +0.22 pp | 443rd of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $32.2 mn | Narrowed by $784,000 | |
| Noncurrent loans to total loans | 1.60% | -0.70 pp | 436th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.44% | +0.05 pp | 429th of 500 (1 = lowest) |
US rank of Gulf Coast Bank and Trust Company: 1 = highest unless marked 1 = lowest.
Balance sheet
Gulf Coast Bank and Trust Company: assets, deposits and loans
- Total assets $3.9bn
- Deposits $3.3bn
- Net loans $2.8bn
Capital and securities
The CET1 ratio of Gulf Coast Bank and Trust Company stood at 11.85% in , +1.34 pp year on year. Low and high at Gulf Coast Bank and Trust Company since : 9.98% () to 12.67% (). Equity capital of Gulf Coast Bank and Trust Company at : $325.4 mn, or 8.4% of total assets. Gulf Coast Bank and Trust Company also reported a total capital ratio of 13.10% for , and a tier 1 leverage ratio of 9.07%.
The available-for-sale portfolio of Gulf Coast Bank and Trust Company showed an unrealized loss of $32.2 mn at ; the loss narrowed by $784,000 over the year.
Gulf Coast Bank and Trust Company: capital ratios
- Total capital 13%
- CET1 12%
- Tier 1 leverage 9.1%
Gulf Coast Bank and Trust Company: unrealized securities gains and losses
- Available for sale -$32mn
- Held to maturity $0
Profitability and loan quality
For the year to , Gulf Coast Bank and Trust Company earned a return on equity of 13.02%; return on assets: 1.11%. Net interest margin at Gulf Coast Bank and Trust Company: 7.03%, -0.06 pp in a year. Gulf Coast Bank and Trust Company net income: $20.7 mn, down 7.6% year on year. The efficiency ratio of Gulf Coast Bank and Trust Company was 71.52%: about 72 cents cost per revenue dollar, against 61 cents at the median peer.
At , noncurrent loans were 1.60% of total loans at Gulf Coast Bank and Trust Company; net charge-offs: 0.44% of average loans. Gross loans and leases at Gulf Coast Bank and Trust Company: $2.8 bn, up 11.4% in a year.
Gulf Coast Bank and Trust Company: profitability
- Return on equity 13%
- Net interest margin 7.0%
- Return on assets 1.1%
Peer group of Gulf Coast Bank and Trust Company
The peer group of Gulf Coast Bank and Trust Company is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 4 share the charter type of Gulf Coast Bank and Trust Company (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 2 have head offices in Louisiana. Against them, Gulf Coast Bank and Trust Company shows CET1 ratio 11.85% against a peer median of 13.51%, return on equity 13.02% against a peer median of 12.58% and uninsured deposit share 21.40% against a peer median of 36.16%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| First Guaranty Bank | State nonmember bank | LA | $3.9 bn | 14.95% | 5.85% | 25.29% | |
| Carrollton Bank | State nonmember bank | IL | $3.9 bn | 9.93% | 13.81% | 53.18% | |
| Security Bank of Kansas City | State nonmember bank | KS | $3.9 bn | not reported | 13.50% | 35.48% | |
| Gulf Coast Bank and Trust Company | State nonmember bank | LA | $3.9 bn | 11.85% | 13.02% | 21.40% | |
| Bank of Marin | State nonmember bank | CA | $3.9 bn | 13.69% | 9.66% | 36.84% | |
| Investar Bank | National bank | LA | $3.9 bn | 13.51% | 11.66% | 34.14% | |
| Capital Bank | National bank | MD | $3.8 bn | 11.34% | 13.52% | 45.13% | |
. FDIC Call Reports.
Last eight quarters
Two years at Gulf Coast Bank and Trust Company, to : assets +16.3%, deposits +16.2%, equity +16.5%. Staff 907 to 926; offices 38 to 40.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $3.3 bn | $3.4 bn | $3.4 bn | $3.5 bn | $3.5 bn | $3.6 bn | $3.7 bn | $3.9 bn |
| Total deposits | $2.8 bn | $2.9 bn | $3.0 bn | $3.1 bn | $3.0 bn | $3.2 bn | $3.2 bn | $3.3 bn |
| Bank equity capital | $279.4 mn | $266.5 mn | $279.3 mn | $292.0 mn | $302.4 mn | $311.0 mn | $315.4 mn | $325.4 mn |
| CET1 ratio | 11.64% | 10.36% | 10.37% | 10.51% | 11.82% | 12.16% | 12.21% | 11.85% |
| Return on equity (ROE) | 6.55% | 2.81% | 14.63% | 16.00% | 14.89% | 13.84% | 10.64% | 13.02% |
| Uninsured share of domestic deposits | 22.07% | 19.97% | 21.01% | 22.97% | 22.87% | 21.32% | 21.78% | 21.40% |
| Full-time equivalent employees | 907 | 910 | 891 | 923 | 936 | 953 | 921 | 926 |
| Number of offices | 38 | 38 | 38 | 38 | 38 | 38 | 39 | 40 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by Gulf Coast Bank and Trust Company appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of Gulf Coast Bank and Trust Company?
Gulf Coast Bank and Trust Company reported $3.9 bn at in its Call Report. That makes Gulf Coast Bank and Trust Company the 339th largest of 497 banks in our US coverage.
Is Gulf Coast Bank and Trust Company profitable?
Gulf Coast Bank and Trust Company reported net income of $20.7 mn for the year to ; annualized return on equity: 13.02%. So yes: Gulf Coast Bank and Trust Company made a profit over these months.
When is data for Gulf Coast Bank and Trust Company next updated?
Figures from Gulf Coast Bank and Trust Company for are due after .
Where can I check the figures for Gulf Coast Bank and Trust Company?
In the FDIC BankFind Suite record for certificate 32974, and in the Call Reports of Gulf Coast Bank and Trust Company (RSSD ID 1458608) at the FFIEC Central Data Repository.