Bank Comparison
Gulf Coast Bank vs Denali State 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 | Gulf Coast Bank | Denali State Bank |
|---|---|---|
| CET1 Ratio | — | 14.79% |
| Tier 1 Capital Ratio | — | 14.79% |
| Total Capital Ratio | — | 16.05% |
| Tier 1 Leverage Ratio | 15.51% | 11.38% |
| Equity / Assets | 13.05% | 10.44% |
Profitability
| Metric | Gulf Coast Bank | Denali State Bank |
|---|---|---|
| Return on Assets (ROA) | 1.19% | 1.36% |
| Return on Equity (ROE) | 9.42% | 13.36% |
| Net Interest Margin (NIM) | 4.77% | 5.16% |
| Yield on Earning Assets | 5.52% | 6.33% |
| Cost of Funds | 0.83% | 1.28% |
Asset quality
| Metric | Gulf Coast Bank | Denali State Bank |
|---|---|---|
| Texas Ratio | 6.07% | 13.08% |
| Non-Performing Loan Ratio | 0.86% | 2.19% |
| Non-Performing Asset Ratio | 0.50% | 1.57% |
| Net Charge-Off Ratio | 0.16% | 0.20% |
| ACL / Loans | 1.20% | 2.17% |
Balance sheet
| Metric | Gulf Coast Bank | Denali State Bank |
|---|---|---|
| Total Assets | $516,302K | $516,515K |
| Total Deposits | $444,300K | $455,055K |
| Total Loans | $295,200K | $370,187K |
| Total Equity | $67,374K | $53,924K |
| Net Income (quarter) | $1,580K | $1,766K |
Liquidity & funding
| Metric | Gulf Coast Bank | Denali State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 66.44% | 81.35% |
| Core Deposit Ratio | 94.80% | 87.50% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Gulf Coast Bank | Denali State Bank |
|---|---|---|
| Headquarters City | ABBEVILLE | FAIRBANKS |
| Headquarters State | LA | AK |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 9 | 5 |
| Employees (FTE) | 120 | 76 |
| Established | Feb. 1, 1971, midnight | Feb. 3, 1986, 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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