GULF COAST BANK AND TRUST COMPANY

NEW ORLEANS, LA | Large | Est. June 8, 1990, midnight | FDIC #32974 | RSSD #1458608 | FDIC
Latest Report: 2025-12-31

GULF COAST BANK AND TRUST COMPANY is aln large FDIC-insured commercial bank headquartered in NEW ORLEANS, LA, established in June 8, 1990, midnight. As of 2025-12-31, the bank reported total assets of $3.6B and total deposits of $3.2B. Profitability stands at 0.94% ROA and 10.89% ROE, with a net interest margin of 7.41%. The bank's CET1 capital ratio is 12.16%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.22% and a Texas Ratio of 9.31%. FDIC Certificate #32974.

Assets

$3.6B

Deposits

$3.2B

Loans

$2.6B

Equity

$311M

Profitability

Return on Assets (ROA) 0.94%
Return on Equity (ROE) 10.89%
Net Interest Margin (NIM) 7.41%
Yield on Assets 9.68%
Cost of Funds 2.82%

Asset Quality

NPL Ratio 1.22%
Net Charge-Off Ratio 0.83%
Texas Ratio 9.31%
NPA Ratio 0.92%
ACL / Loans 1.82%

Capital & Liquidity

CET1 Ratio 12.16%
Tier 1 Capital 12.16%
Total Capital Ratio 13.41%
Leverage Ratio 9.00%
Loan-to-Deposit 81.93%

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