Bank Comparison
Gulf Coast Bank and Trust Company vs Red River Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 14
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Gulf Coast Bank and Trust Company | Red River Bank |
|---|---|---|
| CET1 Ratio | 12.21% | 17.09% |
| Tier 1 Capital Ratio | 12.21% | 17.09% |
| Total Capital Ratio | 13.47% | 18.12% |
| Tier 1 Leverage Ratio | 9.02% | 12.00% |
| Equity / Assets | 8.49% | 10.88% |
Profitability
| Metric | Gulf Coast Bank and Trust Company | Red River Bank |
|---|---|---|
| Return on Assets (ROA) | 0.91% | 1.44% |
| Return on Equity (ROE) | 10.64% | 13.63% |
| Net Interest Margin (NIM) | 6.84% | 3.53% |
| Yield on Earning Assets | 8.92% | 4.85% |
| Cost of Funds | 2.20% | 1.45% |
Asset quality
| Metric | Gulf Coast Bank and Trust Company | Red River Bank |
|---|---|---|
| Texas Ratio | 14.34% | 1.60% |
| Non-Performing Loan Ratio | 1.61% | 0.26% |
| Non-Performing Asset Ratio | 1.23% | 0.18% |
| Net Charge-Off Ratio | 0.65% | 0.02% |
| ACL / Loans | 1.91% | 1.06% |
Balance sheet
| Metric | Gulf Coast Bank and Trust Company | Red River Bank |
|---|---|---|
| Total Assets | $3,714M | $3,345M |
| Total Deposits | $3,236M | $2,954M |
| Total Loans | $2,635M | $2,258M |
| Total Equity | $315,362K | $364,050K |
| Net Income (quarter) | $8,328K | $12,268K |
Liquidity & funding
| Metric | Gulf Coast Bank and Trust Company | Red River Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 81.42% | 76.44% |
| Core Deposit Ratio | 93.44% | 93.07% |
| Uninsured Deposit Ratio | 21.78% | 31.69% |
Identity
| Metric | Gulf Coast Bank and Trust Company | Red River Bank |
|---|---|---|
| Headquarters City | NEW ORLEANS | ALEXANDRIA |
| Headquarters State | LA | LA |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 38 | 29 |
| Employees (FTE) | 921 | 381 |
| Established | June 8, 1990, midnight | Jan. 14, 1999, 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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