BanksGULF COAST BANK

GULF COAST BANK

ABBEVILLE, LASmallEst. Feb. 1, 1971, midnightFDIC #20353RSSD #459130FDIC
Latest · 2025-12-31

GULF COAST BANK is an FDIC-insured commercial bank headquartered in ABBEVILLE, LA, established in Feb. 1, 1971, midnight. As of 2025-12-31, the bank reported total assets of $498M and total deposits of $426M. Profitability stands at 1.50% ROA and 11.38% ROE, with a net interest margin of 4.93%. CET1 capital ratio: 13.40%, well above regulatory minimums. NPL ratio: 0.89% · Texas Ratio: 4.33%. Operates 9 domestic branches.

Assets
$498M
Deposits
$426M
Loans
$295M
Equity
$67M

Profitability

Return on Assets (ROA)1.50%
Return on Equity (ROE)11.38%
Net Interest Margin4.93%
Yield on Assets5.75%
Cost of Funds0.88%

Asset Quality

NPL Ratio0.89%
Net Charge-Off Ratio0.04%
Texas Ratio4.33%
NPA Ratio0.61%
ACL / Loans1.21%

Capital & Liquidity

CET1 Ratio13.40%
Tier 1 Capital13.40%
Total Capital Ratio14.07%
Leverage Ratio15.38%
Loan-to-Deposit69.07%

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