GULF COAST BUSINESS BANK

FORT MYERS, FL | Small | Est. June 6, 2022, midnight | FDIC #59281 | RSSD #5724226 | FDIC
Latest Report: 2025-12-31

GULF COAST BUSINESS BANK is asn small FDIC-insured commercial bank headquartered in FORT MYERS, FL, established in June 6, 2022, midnight. As of 2025-12-31, the bank reported total assets of $181M and total deposits of $155M. Profitability stands at 3.88% ROA and 26.63% ROE, with a net interest margin of 4.01%. The bank's CET1 capital ratio is 13.96%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.66% and a Texas Ratio of 14.68%. FDIC Certificate #59281.

Assets

$181M

Deposits

$155M

Loans

$150M

Equity

$25M

Profitability

Return on Assets (ROA) 3.88%
Return on Equity (ROE) 26.63%
Net Interest Margin (NIM) 4.01%
Yield on Assets 6.93%
Cost of Funds 3.17%

Asset Quality

NPL Ratio 2.66%
Net Charge-Off Ratio 0.01%
Texas Ratio 14.68%
NPA Ratio 2.21%
ACL / Loans 1.30%

Capital & Liquidity

CET1 Ratio 13.96%
Tier 1 Capital 13.96%
Total Capital Ratio 14.66%
Leverage Ratio 15.69%
Loan-to-Deposit 96.96%

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