Bank Comparison
Gulf Coast Bank vs Fifth District Savings 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 | Fifth District Savings Bank |
|---|---|---|
| CET1 Ratio | — | 39.39% |
| Tier 1 Capital Ratio | — | 39.39% |
| Total Capital Ratio | — | 39.97% |
| Tier 1 Leverage Ratio | 15.51% | 21.41% |
| Equity / Assets | 13.05% | 20.71% |
Profitability
| Metric | Gulf Coast Bank | Fifth District Savings Bank |
|---|---|---|
| Return on Assets (ROA) | 1.19% | 0.32% |
| Return on Equity (ROE) | 9.42% | 1.55% |
| Net Interest Margin (NIM) | 4.77% | 2.66% |
| Yield on Earning Assets | 5.52% | 4.24% |
| Cost of Funds | 0.83% | 2.01% |
Asset quality
| Metric | Gulf Coast Bank | Fifth District Savings Bank |
|---|---|---|
| Texas Ratio | 6.07% | 0.09% |
| Non-Performing Loan Ratio | 0.86% | 0.02% |
| Non-Performing Asset Ratio | 0.50% | 0.02% |
| Net Charge-Off Ratio | 0.16% | 0.00% |
| ACL / Loans | 1.20% | 0.44% |
Balance sheet
| Metric | Gulf Coast Bank | Fifth District Savings Bank |
|---|---|---|
| Total Assets | $516,302K | $535,316K |
| Total Deposits | $444,300K | $419,060K |
| Total Loans | $295,200K | $390,018K |
| Total Equity | $67,374K | $110,854K |
| Net Income (quarter) | $1,580K | $430 |
Liquidity & funding
| Metric | Gulf Coast Bank | Fifth District Savings Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 66.44% | 93.07% |
| Core Deposit Ratio | 94.80% | 88.73% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Gulf Coast Bank | Fifth District Savings Bank |
|---|---|---|
| Headquarters City | ABBEVILLE | NEW ORLEANS |
| Headquarters State | LA | LA |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 700133 |
| Regulator | FDIC | OCC |
| Domestic Branches | 9 | 7 |
| Employees (FTE) | 120 | 67 |
| Established | Feb. 1, 1971, midnight | Jan. 1, 1926, 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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