Gulf Coast Bank and Trust Company: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Gulf Coast Bank and Trust Company earns an unusually wide margin on its lending. Based in New Orleans, Louisiana, it had $3.9 billion in assets at June 30, 2026, up 9.1% from a year earlier. It keeps 7.07 cents of net interest income on every dollar of earning assets, about double the median of 3.71 cents for the 895 banks with $1 billion to $10 billion in assets. On the other hand, it funds 9.07% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.52%).
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 1.35% of loans, down from 2.22% a year earlier. Its $329 million non-owner-occupied commercial real estate book is improving, with 0.21% past due or on nonaccrual, down from 2.01% a year earlier. Credit is the area to watch: it carries problem assets equal to 11.3% of the capital and reserves that would absorb them, about triple the median of 3.6% for banks its size.
As of June 30, 2026, Gulf Coast Bank and Trust Company reported a CET1 capital ratio of 11.85%, a return on assets of 1.32%, a nonperforming-loan ratio of 1.49% and a Texas ratio of 11.35%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 200 Saint Charles Ave, New Orleans, LA 70130
- County
- Orleans
- Metro Area
- New Orleans-Metairie, LA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- June 8, 1990
- Offices
- 40 domestic
- Employees (FTE)
- 926
- Domestic deposits
- $3.31B
- Allowance for credit losses
- $51.7M
- Net charge-offs (YTD)
- $5.9M
- Average total assets
- $3.74B
- Average total loans
- $2.69B
- Average interest-bearing deposits
- $2.57B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- June 8, 1990
- FDIC Cert
- 32974
- Fed RSSD
- 1458608
- Website
- www.gulfbank.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Gulf Coast Bank and Trust Company terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Gulf Coast Bank and Trust Company, freeGulf Coast Bank and Trust Company rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.85% | 1.32% | 1.60% | 11.35% | 7.07% |
| Q1 2026 | 12.21% | 0.91% | 1.74% | 12.44% | 6.84% |
| Q4 2025 | 12.15% | 0.93% | 1.38% | 9.77% | 7.09% |
| Q3 2025 | 11.82% | 1.07% | 1.75% | 12.55% | 7.16% |
| Q2 2025 | 10.51% | 1.41% | 2.31% | 17.31% | 7.07% |
| Q1 2025 | 10.37% | 1.17% | 2.45% | 18.62% | 6.77% |
| Q4 2024 | 10.36% | -0.66% | 2.21% | 17.09% | 6.95% |
| Q3 2024 | 11.64% | 0.79% | 2.86% | 21.43% | 6.96% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 24 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Gulf Coast Bank and Trust Company (main office) | New Orleans , LA | 70130 | $487.4M |
| Miramar Branch | Miramar , FL | 32550 | $403.0M |
| Veterans Branch | Metairie , LA | 70005 | $261.3M |
| Manhattan Branch | Harvey , LA | 70058 | $228.1M |
| Civic Center Branch | Chalmette , LA | 70043 | $206.2M |
| Williams Boulevard Branch | Kenner , LA | 70065 | $164.2M |
| Gretna Branch | Gretna , LA | 70053 | $158.7M |
| Transcontinental Branch | Metairie , LA | 70006 | $154.4M |
| Lakeview Branch | New Orleans , LA | 70124 | $151.9M |
| Boston Branch | Covington , LA | 70433 | $139.6M |
| Covington Branch | Covington , LA | 70433 | $134.3M |
| Mandeville Branch | Mandeville , LA | 70471 | $112.3M |
| Slidell Branch | Slidell , LA | 70461 | $110.6M |
| 737 Terry Parkway Branch | Terrytown , LA | 70056 | $103.3M |
| Old Goodwood Branch | Baton Rouge , LA | 70806 | $88.7M |
| Perkins Branch | Baton Rouge , LA | 70810 | $79.3M |
| Business Center Branch | Chalmette , LA | 70043 | $75.2M |
| Hammond Branch | Hammond , LA | 70403 | $73.4M |
| Carrollton Branch | New Orleans , LA | 70119 | $69.0M |
| Elmwood Branch | Harahan , LA | 70123 | $51.5M |
| Magazine Street Branch | New Orleans , LA | 70115 | $47.7M |
| Orange Beach Branch | Orange Beach , AL | 36561 | $9.6M |
| Hattiesburg Branch | Hattiesburg , MS | 39401 | $826K |
| Gulf Coast Bank & Trust Mobile Banking Branch | New Orleans , LA | 70130 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 22, 1997 | Structure Change | Acquired Southwest Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| September 28, 1991 | Structure Change | Acquired Southern Federal Savings Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| September 27, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 25, 1991 | Structure Change | Acquired Security Homestead Federal Savings Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| June 23, 1990 | Structure Change | Acquired Central Savings and Loan Association, Federal Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| June 22, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 9, 1990 | Structure Change | Acquired American Savings and Loan Association, Federal Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| June 8, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
What the public regulatory sources show for Gulf Coast Bank and Trust Company, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 2.1% of deposits in LA, rank 10 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 139 loans, $137.9M approved, $992K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Gulf Coast Bank and Trust Company
What are Gulf Coast Bank and Trust Company's total assets?
As of the Q2 2026 filing, Gulf Coast Bank and Trust Company reported total assets of $3.86 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Gulf Coast Bank and Trust Company headquartered?
Gulf Coast Bank and Trust Company is headquartered in New Orleans, LA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Gulf Coast Bank and Trust Company founded?
Gulf Coast Bank and Trust Company was established in 1990, per the FDIC institution directory.
Is Gulf Coast Bank and Trust Company FDIC-insured?
Yes. Gulf Coast Bank and Trust Company is an FDIC-insured commercial bank (FDIC Certificate #32974). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Gulf Coast Bank and Trust Company?
Gulf Coast Bank and Trust Company's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Gulf Coast Bank and Trust Company's CET1 capital ratio?
Gulf Coast Bank and Trust Company reported a Common Equity Tier 1 (CET1) capital ratio of 11.85% in its Q2 2026 call report, above regulatory requirements.
How many branches does Gulf Coast Bank and Trust Company operate?
Gulf Coast Bank and Trust Company operates 40 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Gulf Coast Bank and Trust Company's Texas Ratio?
Gulf Coast Bank and Trust Company's Texas Ratio is 11.35% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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