Bank Comparison
Community Neighbor Bank vs Gulf Coast Business Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 9
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Community Neighbor Bank | Gulf Coast Business Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 10.82% | 13.22% |
| Equity / Assets | 10.72% | 13.29% |
Profitability
| Metric | Community Neighbor Bank | Gulf Coast Business Bank |
|---|---|---|
| Return on Assets (ROA) | 1.41% | 0.55% |
| Return on Equity (ROE) | 13.40% | 4.04% |
| Net Interest Margin (NIM) | 4.64% | 4.29% |
| Yield on Earning Assets | 6.14% | 7.06% |
| Cost of Funds | 1.57% | 3.14% |
Asset quality
| Metric | Community Neighbor Bank | Gulf Coast Business Bank |
|---|---|---|
| Texas Ratio | 4.55% | 0.00% |
| Non-Performing Loan Ratio | 0.99% | 0.00% |
| Non-Performing Asset Ratio | 0.52% | 0.00% |
| Net Charge-Off Ratio | 0.26% | 0.00% |
| ACL / Loans | 1.55% | 1.31% |
Balance sheet
| Metric | Community Neighbor Bank | Gulf Coast Business Bank |
|---|---|---|
| Total Assets | $192,306K | $192,219K |
| Total Deposits | $171,250K | $166,132K |
| Total Loans | $98,217K | $151,385K |
| Total Equity | $20,608K | $25,542K |
| Net Income (quarter) | $681 | $257 |
Liquidity & funding
| Metric | Community Neighbor Bank | Gulf Coast Business Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 57.35% | 91.12% |
| Core Deposit Ratio | 92.83% | 87.84% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Community Neighbor Bank | Gulf Coast Business Bank |
|---|---|---|
| Headquarters City | CAMDEN | FORT MYERS |
| Headquarters State | AL | FL |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 4 | 1 |
| Employees (FTE) | 34 | 26 |
| Established | April 1, 1906, midnight | June 6, 2022, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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