Gold Coast Bank
Gold Coast Bank is an FDIC-insured commercial bank headquartered in Chicago, IL, supervised by the FDIC, with $463.1M in total assets at Q1 2026, up 2.6% from Q1 2025. It was established in 2007 and holds FDIC certificate 58556. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.86% at Q1 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
BankRegReports is independent of Gold Coast Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 58556
- Headquarters
- Chicago, IL
- Established
- 2007
- Total assets, Q1 2026
- $463.1M
- Assets vs Q1 2025
- +2.6%
- Tier 1 leverage ratio, Q1 2026
- 14.86%
- Domestic offices
- 1 · Gold Coast Bank branches FDIC institution directory, current count
- Routing number
- 071026848
- Safety and soundness
- Is Gold Coast Bank safe?
Gold Coast Bank pays more for its money than most banks of its size. Based in Chicago, Illinois, it had $463 million in assets at March 31, 2026, up 2.6% from a year earlier. It pays an average of 3.63% on its deposits and borrowings, about double the median of 1.81% for the 2,677 banks with $100 million to $1 billion in assets. It also shrank its loan book 8.7% over the year, lower than about 9 in 10 banks its size (median 5.4%).
Loans and deposits moved in opposite directions: over the year loans fell 8.7% and deposits rose 2.6%. Its $37 million multifamily book is now fully current, after 1.97% of it was past due or on nonaccrual a year earlier. Its margin is thin by comparison: it keeps 3.04 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.84 cents).
As of March 31, 2026, Gold Coast Bank reported a return on assets of 1.24%, a nonperforming-loan ratio of 0.63% and a Texas ratio of 4.29%. The figures come from its call report filed with the FFIEC.
Between Q4 2025 and Q1 2026, its total assets rose 0.8% to $463.1M, loans fell 0.9% and deposits rose 0.8%. Its loan book on March 31, 2026 was led by 1-4 family residential loans, at 48.5% of total loans, followed by owner-occupied commercial real estate loans at 18.9%. Its one office in the FDIC Summary of Deposits is in Chicago, IL. Judged on its Q1 2026 call report, Gold Coast Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1165 N Clark St, Chicago, IL 60610
- County
- Cook
- Metro Area
- Chicago-Naperville-Elgin, IL-IN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 4, 2007
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 31
- Domestic deposits
- $366.4M
- Allowance for credit losses
- $12.3M
- Net charge-offs (YTD)
- $0
- Average total assets
- $460.9M
- Average total loans
- $323.0M
- Average interest-bearing deposits
- $345.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 4, 2007
- FDIC Cert
- 58556
- Fed RSSD
- 3593307
Profitability
Q1 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q1 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. After a merger that grows assets 25% or more, the UBPR averages balances from the merger date on while the income stays year to date, so a YTD ratio can differ widely from the ratio of either quarter. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Gold Coast Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q2 2023 to Q1 2026, Gold Coast Bank's total assets ranged from $444.5M (Q2 2024) to $464.0M (Q4 2024), and it earned a profit in all 12 quarters. The line under each chart compares Q1 2026 with Q1 2025. How these charts are built
$463.1M total assets against $451.4M; $394.6M total liabilities against $389.2M.
$310.4M net loans and leases against $340.1M; $366.4M total deposits against $357.1M.
$0 securities against $0; $142.8M cash and balances due against $101.8M.
$7.0M total interest income against $7.8M; $3.5M total interest expense against $4.0M.
$3.5M net interest income against $3.8M.
$737K total noninterest income against $569K; $2.5M total noninterest expense against $2.6M.
-$300K provision for credit losses against -$300K.
$1.4M net income against $1.5M.
1.24% return on assets against 1.33%; 3.04% net interest margin against 3.39%.
14.86% tier 1 leverage ratio against 13.66%.
Inside the full Gold Coast Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeQuarterly trend: last 8 quarters
From Q2 2024 to Q1 2026, its return on assets ran from 1.17% (Q4 2024) to 1.72% (Q2 2024) and its net interest margin ran from 3.04% (Q1 2026) to 3.85% (Q2 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q1 2026 | 14.86% | 1.24% | 0.63% | 4.29% | 3.04% |
| Q4 2025 | 14.73% | 1.27% | 0.57% | 4.10% | 3.35% |
| Q3 2025 | 14.43% | 1.48% | 0.56% | 4.23% | 3.61% |
| Q2 2025 | 14.19% | 1.44% | 0.69% | 3.08% | 3.61% |
| Q1 2025 | 13.66% | 1.33% | 0.50% | 2.35% | 3.39% |
| Q4 2024 | 13.23% | 1.17% | 0.52% | 2.48% | 3.47% |
| Q3 2024 | 13.07% | 1.41% | 0.60% | 4.89% | 3.47% |
| Q2 2024 | 12.84% | 1.72% | 0.52% | 4.65% | 3.85% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2025. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Gold Coast Bank (main office) | Chicago , IL | 60610 | $356.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 1, 2026 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Mortgage lending (HMDA)
- 268 applications, 253 loans originated, $142.7M originated, across 23 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, Deposit market share, SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Similar banks
Frequently asked about Gold Coast Bank
What are Gold Coast Bank's total assets?
As of the Q1 2026 filing, Gold Coast Bank reported total assets of $463.1 million in its FFIEC call report.
Where is Gold Coast Bank headquartered?
It is headquartered in Chicago, IL, United States.
When was Gold Coast Bank founded?
It was established in 2007, per the FDIC institution directory.
Is Gold Coast Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58556). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Gold Coast Bank?
Gold Coast Bank's primary federal regulator is the FDIC.
How many branches does Gold Coast Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Gold Coast Bank's Texas Ratio?
Its Texas Ratio is 4.29% in its Q1 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on Gold Coast Bank.
Get an email when Gold Coast Bank files its next call report, and benchmark it against any peer you choose.
Unlock Gold Coast Bank, freeFree account