GOLD COAST BANK

CHICAGO, IL | Small | Est. June 4, 2007, midnight | FDIC #58556 | RSSD #3593307 | FDIC
Latest Report: 2025-12-31

GOLD COAST BANK is asn small FDIC-insured commercial bank headquartered in CHICAGO, IL, established in June 4, 2007, midnight. As of 2025-12-31, the bank reported total assets of $460M and total deposits of $363M. Profitability stands at 1.27% ROA and 8.75% ROE, with a net interest margin of 3.61%. The bank's CET1 capital ratio is 14.59%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.47% and a Texas Ratio of 3.72%. FDIC Certificate #58556.

Assets

$460M

Deposits

$363M

Loans

$326M

Equity

$67M

Profitability

Return on Assets (ROA) 1.27%
Return on Equity (ROE) 8.75%
Net Interest Margin (NIM) 3.61%
Yield on Assets 7.15%
Cost of Funds 3.86%

Asset Quality

NPL Ratio 0.47%
Net Charge-Off Ratio --
Texas Ratio 3.72%
NPA Ratio 0.65%
ACL / Loans 3.88%

Capital & Liquidity

CET1 Ratio 14.59%
Tier 1 Capital 14.59%
Total Capital Ratio 15.32%
Leverage Ratio 14.73%
Loan-to-Deposit 89.60%

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