Bank call report · Chicago, IL
Gold Coast Bank Call Report
Filed for the quarter ended (Q1 2026) on the FFIEC 051. Source: FFIEC Central Data Repository.
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Gold Coast Bank filed its latest call report for the quarter ended March 31, 2026 on the FFIEC 051. Below are its 192 reported line items, schedule by schedule (391 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
This is the last call report on file for Gold Coast Bank; it has not filed for the most recent published quarter.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q1 2026 (March 31, 2026) |
| Federal Reserve RSSD ID | 3593307 |
| FDIC certificate number | 58556 |
| Total assets | $463.1M |
Official Q1 2026 call report PDF (FFIEC) →
Gold Coast Bank call report by schedule, Q1 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (24 items)
About Schedule RC · Gold Coast Bank balance sheet trends
| Line item | Code | Q1 2026 |
|---|---|---|
| Total assets | RCON2170 | $463.1M |
| Total liabilities, limited-life preferred stock, and equity capital | RCON3300 | $463.1M |
| Total liabilities and minority interest | RCON2948 | $394.6M |
| Total deposits | RCON2200 | $366.4M |
| Total interest-bearing deposits in foreign and domestic offices | RCON6636 | $346.1M |
| Loans and leases, net of unearned income - totals | RCONB528 | $319.3M |
| Loans and leases, net of unearned income and allowance | RCONB529 | $307.0M |
| Interest-bearing balances | RCON0071 | $128.5M |
| Total equity capital | RCON3210 | $68.5M |
| Total equity capital including noncontrolling minority interests in consolidated subsidiaries | RCONG105 | $68.5M |
| Undivided profits and capital reserves | RCON3632 | $51.5M |
| Other borrowed money | RCON3190 | $24.5M |
| Deposits, noninterest-bearing | RCON6631 | $20.3M |
| Surplus | RCON3839 | $16.2M |
| Allowance for loan and lease losses | RCON3123 | $12.3M |
| Noninterest-bearing balances and currency and coin | RCON0081 | $8.3M |
| Other assets | RCON2160 | $7.4M |
| Federal funds sold | RCONB987 | $6.0M |
| Other liabilities, total | RCON2930 | $3.7M |
| Loans and leases held for sale | RCON5369 | $3.4M |
| Other real estate owned | RCON2150 | $1.4M |
| Premises and fixed assets (including capitalized leases) | RCON2145 | $1.1M |
| Common stock | RCON3230 | $800K |
| Fiscal year end date | RCON8678 | 1,231 |
Schedule RI: Income Statement (33 items)
About Schedule RI · Gold Coast Bank income statement trends
| Line item | Code | Q1 2026 |
|---|---|---|
| Total interest income | RIAD4107 | $7.0M |
| Interest and fee income on loans, total | RIAD4010 | $5.8M |
| Total interest expense | RIAD4073 | $3.5M |
| Net interest income | RIAD4074 | $3.5M |
| Interest and fee income on loans secured by 1-4 family residential properties | RIAD4435 | $2.9M |
| Total noninterest expense | RIAD4093 | $2.5M |
| Interest and fee income on all other loans secured by real estate | RIAD4436 | $2.5M |
| Interest expense, interest on deposits, nontransaction accounts, time deposits of 250000 or less | RIADHK03 | $2.0M |
| Salaries and employee benefits | RIAD4135 | $2.0M |
| Income (loss) before applicable income taxes and discontinued operations | RIAD4301 | $2.0M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $2.0M |
| Income (loss) before discontinued operations | RIAD4300 | $1.4M |
| Net income (loss) | RIAD4340 | $1.4M |
| Net income (loss) attributable to bank and noncontrolling minority interests | RIADG104 | $1.4M |
| Interest income on balances due from depository institutions | RIAD4115 | $1.1M |
| Savings deposits (including mmdas) | RIAD0093 | $1.1M |
| Total noninterest income | RIAD4079 | $737K |
| Net gains (losses) on sales of loans | RIAD5416 | $581K |
| Applicable income taxes | RIAD4302 | $572K |
| Other noninterest expense | RIAD4092 | $400K |
| Interest and fee income on commercial and industrial loans | RIAD4012 | $346K |
| Provision for loan and lease losses | RIAD4230 | -$300K |
| Provisions for credit losses on financial assets | RIADJJ33 | -$300K |
| Other interest expense | RIADGW44 | $223K |
| Other noninterest income | RIADB497 | $149K |
| Interest expense, interest on deposits, nontransaction accounts, time deposits of more than 250000 | RIADHK04 | $130K |
| Expenses of premises and fixed assets | RIAD4217 | $114K |
| Interest on transaction accounts (NOW accounts, ats accounts, and telephone and preauthorized transfer accounts) | RIAD4508 | $79K |
| Interest income on federal funds sold and securities purchased under agreements to resell | RIAD4020 | $69K |
| Other interest income | RIAD4518 | $32K |
| Loans to individuals for household, family, and other personal expenditures, other (includes single payment, installment, all student loans, and revolving credit plans other than credit cards) | RIADB486 | $29K |
| Service charges on deposit accounts in domestic offices | RIAD4080 | $7K |
| Number of full time equivalent employees on payroll at end of current period | RIAD4150 | 31 |
Schedule RC-C, Part I: Loans and Leases (28 items)
About Schedule RC-C, Part I · Gold Coast Bank loans and leases trends
| Line item | Code | Q1 2026 |
|---|---|---|
| Total loans and leases, net of unearned income | RCON2122 | $322.7M |
| Pledged loans and leases | RCONG378 | $147.6M |
| All loans and leases other than closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of three months or less | RCONA570 | $116.7M |
| All other loans secured by 1-4 family residential properties, secured by first liens | RCON5367 | $108.0M |
| Loans secured by owner occupied nonfarm nonresidential properties | RCONF160 | $60.9M |
| All loans and leases other than closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over 15 years | RCONA575 | $53.1M |
| Fixed rate and floating rate loans and leases with a remaining maturity of one year or less | RCONA247 | $50.7M |
| Closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of three months or less | RCONA564 | $49.2M |
| Revolving, open-end loans secured by 1-4 family residential properties and extended under lines of credit | RCON1797 | $42.0M |
| Real estate loans secured by multi-family (5 or more) residential properties | RCON1460 | $36.7M |
| Closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over 15 years | RCONA569 | $33.7M |
| Loans secured by other nonfarm nonresidential properties. | RCONF161 | $31.0M |
| All loans and leases other than closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over five years through 15 years | RCONA574 | $21.2M |
| All loans and leases other than closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over one year through three years | RCONA572 | $19.1M |
| Commercial and industrial loans | RCON1766 | $17.0M |
| Loans secured by 1-4 family residential construction | RCONF158 | $14.5M |
| Closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over three months through 12 months | RCONA565 | $10.3M |
| All other loans secured by 1-4 family residential properties, secured by junior liens | RCON5368 | $6.4M |
| Loans secured by other construction loans and all land development and other land loans | RCONF159 | $6.1M |
| Closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over one year through three years | RCONA566 | $5.6M |
| Closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over five years through 15 years | RCONA568 | $5.4M |
| All loans and leases other than closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over three months through 12 months | RCONA571 | $4.0M |
| Closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over three years through five years | RCONA567 | $3.2M |
| All loans and leases other than closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over three years through five years | RCONA573 | $1.6M |
| Other consumer loans to individuals for household, family, and other personal expenditures (includes single payment, installment, and all student loans) | RCONK207 | $1.6M |
| Unearned income on loans | RCON2123 | $1.4M |
| Loans secured by 1-4 family residential properties in domestic offices in process of foreclosure (included in RC-C, part I, items 1.C.(1), 1.C.(2)(A), and 1.C.(2)(B) | RCONF577 | $611K |
| Other loans | RCONJ464 | $2K |
Schedule RC-E: Deposit Liabilities (28 items)
About Schedule RC-E · Gold Coast Bank deposit liabilities trends
| Line item | Code | Q1 2026 |
|---|---|---|
| Total nontransaction accounts (including mmda's) | RCON2385 | $337.2M |
| Total nontransaction accounts deposits of individuals, partnerships, and corporations | RCONB550 | $213.4M |
| Components of total nontransaction accounts, total time deposits of $100,000 through $250,000 | RCONJ473 | $175.7M |
| Time deposits of 250000 or less with a remaining maturity of one year or less | RCONHK11 | $142.1M |
| Money market deposit accounts (mmda's) | RCON6810 | $115.2M |
| Maturity and repricing data for time depoits of 250000 or less, time deposits of 250000 or less with a remaining maturity or next repricing date of over three months through 12 months | RCONHK08 | $105.8M |
| Estimated amount of deposits obtained through the use of deposit listing services that are not brokered deposits | RCONK223 | $93.0M |
| Total nontransaction accounts of commercial banks and other depository institutions in the U.S. | RCONB552 | $90.8M |
| Total reciprocal deposits | RCONJH83 | $68.5M |
| Maturity and repricing data for time depoits of 250000 or less, time deposits of 250000 or less with a remaining maturity or next repricing date of over one year through three years | RCONHK09 | $49.0M |
| Maturity and repricing data for time depoits of 250000 or less, time deposits of 250000 or less with a remaining maturity or next repricing date of three months or less | RCONHK07 | $36.3M |
| Total nontransaction accounts of states and political subdivisions in the U.S. | RCON2530 | $33.1M |
| Total time deposits of less than $100,000 | RCON6648 | $30.4M |
| Total transaction accounts | RCON2215 | $29.2M |
| Total transaction accounts - deposits of individuals, partnerships, and corporation | RCONB549 | $29.2M |
| Selected components of total deposits, brokered deposits of 250000 or less (fully insured brokered deposits) | RCONHK05 | $22.4M |
| Total brokered deposits | RCON2365 | $22.4M |
| Total demand deposits (see note below) | RCON2210 | $18.7M |
| Maturity and repricing data for time depoits of 250000 or less, time deposits of 250000 or less with a remaining maturity or next repricing date of over three years | RCONHK10 | $14.9M |
| Components of total nontransaction accounts, total time deposits of more than $250,000 | RCONJ474 | $12.7M |
| Selected components of total deposits, brokered deposits of 250000 or less with a remaining maturity of one year or less | RCONHK06 | $12.0M |
| Time deposits of more than $250,000 with a remaining maturity of one or year less | RCONK222 | $9.3M |
| Maturity and repricing data for time depoits of more than 250000, time deposits of more than 250000 with a remaining maturity or next repricing date of over three months through 12 months | RCONHK13 | $8.2M |
| Individual retirement accounts (iras) and keogh plan accounts included in memorandum item 2.C, 'total time deposits of $100,000 or more,' above | RCONF233 | $4.3M |
| Other nontransaction savings deposits (excludes mmda's) | RCON0352 | $3.2M |
| Maturity and repricing data for time depoits of more than 250000, time deposits of more than 250000 with a remaining maturity or next repricing date of over one year through three years | RCONHK14 | $2.4M |
| Maturity and repricing data for time depoits of more than 250000, time deposits of more than 250000 with a remaining maturity or next repricing date of three months or less | RCONHK12 | $1.1M |
| Maturity and repricing data for time depoits of more than 250000, time deposits of more than 250000 with a remaining maturity or next repricing date of over three years | RCONHK15 | $1.0M |
Schedule RC-F: Other Assets (4 items)
Schedule RC-G: Other Liabilities (4 items)
| Line item | Code | Q1 2026 |
|---|---|---|
| All other liabilities | RCON2938 | $2.2M |
| Other expenses accrued and unpaid | RCON3646 | $734K |
| Interest accrued and unpaid on deposits (in domestic offices) | RCON3645 | $728K |
| Allowance for credit losses on off-balance sheet credit exposures | RCONB557 | $75K |
Schedule RC-K: Quarterly Averages (13 items)
About Schedule RC-K · Gold Coast Bank quarterly averages trends
| Line item | Code | Q1 2026 |
|---|---|---|
| Quarterly average of total assets | RCON3368 | $460.9M |
| Quarterly average of total loans | RCON3360 | $323.0M |
| Liabilities, nontransaction accounts, time deposits of 250000 or less | RCONHK16 | $205.8M |
| Quarterly average of loans secured by 1-4 family residential properties | RCON3465 | $159.6M |
| Quarterly average of all other loans secured by real estate | RCON3466 | $145.8M |
| Quarterly average of interest-bearing balances due from depository institutions | RCON3381 | $124.9M |
| Nontransaction accounts in domestic offices, savings deposits | RCONB563 | $117.7M |
| Quarterly average of other borrowed money | RCON3355 | $24.5M |
| Quarterly average of commercial and industrial loans | RCON3387 | $17.2M |
| Liabilities, nontransaction accounts, time deposits of more than 250000 | RCONHK17 | $11.9M |
| Transaction accounts (in domestic offices) (NOW accounts, ats accounts, and telephone and preauthorized transfer accounts) - quarterly average | RCON3485 | $9.9M |
| Quarterly average of federal funds sold and securities purchased under agreements to resell | RCON3365 | $7.6M |
| Loans to individuals for household, family, and other personal expenditures, other | RCONB562 | $1.6M |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (7 items)
About Schedule RC-L · Gold Coast Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q1 2026 |
|---|---|---|
| Unused commitments - revolving, open-end lines secured by 1-4 family residential properties | RCON3814 | $38.7M |
| Total gross notional amount of interest rate derivative contracts held for purposes other than trading, contracts marked to market | RCON8725 | $23.9M |
| Commercial real estate, other construction loan and land development loan commitments | RCONF165 | $11.7M |
| 1-4 family residential construction loan commitments | RCONF164 | $8.6M |
| Other unused commitments, commercial and industrial loans | RCONJ457 | $3.8M |
| Other unused commitments, all other unused commitments | RCONJ459 | $1.3M |
| Financial standby letters of credit and foreign office guarantees | RCON3819 | $527K |
Schedule RC-M: Memoranda (5 items)
About Schedule RC-M · Gold Coast Bank memoranda trends
| Line item | Code | Q1 2026 |
|---|---|---|
| FHLB advances (loans) due in one year or less | RCON2651 | $19.5M |
| FHLB advances, advances with a remaining maturity or next repricing date of one year or less | RCONF055 | $19.5M |
| FHLB advances, advances with a remaining maturity or next repricing date of over five years | RCONF058 | $2.5M |
| FHLB advances, advances with a remaining maturity or next repricing date of over one year through three years | RCONF056 | $2.5M |
| All other real estate owned, nonfarm nonresidential properties in domestic offices | RCON5512 | $1.4M |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (9 items)
About Schedule RC-N · Gold Coast Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q1 2026 |
|---|---|---|
| Total loans and lease financing receivables, past due 30-89 days and still accruing | RCON1406 | $1.5M |
| Loans secured by owner-occupied nonfarm nonresidential properties, 30-89 days past due | RCONF178 | $1.1M |
| Loans secured by owner-occupied nonfarm nonresidential properties, 90 or more days past due and still accruing | RCONF180 | $1.0M |
| Total loans and lease financing receivables, past due 90 days or more and still accruing | RCON1407 | $1.0M |
| Total loans and lease finance receivables, nonaccrual | RCON1403 | $996K |
| Closed-end loans secured by 1-4 family residential properties, secured by first liens-nonaccural | RCONC229 | $611K |
| Loans secured by 1-4 family residential properties, revolving, open-end loans secured by 1-4 family residential properties and extended under lines of credit - nonaccrual | RCON5400 | $385K |
| Closed-end loans secured by 1-4 family residential properties, secured by junior liens-past due 30 thru 89 days and still accruing | RCONC238 | $232K |
| Closed-end loans secured by 1-4 family residential properties, secured by first liens-past due 30 thru 89 days and still accruing | RCONC236 | $182K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · Gold Coast Bank other data for deposit insurance assessments trends
| Line item | Code | Q1 2026 |
|---|---|---|
| Average consolidated total assets for the calendar quarter | RCONK652 | $460.9M |
| Total deposit liabilities as defined in section 3(1) of the federal deposit insurance act before exclusions | RCONF236 | $367.1M |
| Amount of deposit accounts (excluding retirement accounts) of $250,000 or less | RCONF049 | $254.5M |
| Amount of deposit accounts (excluding retirement accounts) of more than $250,000 | RCONF051 | $107.2M |
| Average tangible equity for the calendar quarter | RCONK654 | $68.0M |
| Amount of retirement deposits accounts of $250,000 or less | RCONF045 | $4.4M |
| Amount of retirement deposit accounts of more than $250,000 | RCONF047 | $1.1M |
| Number of deposit accounts (excluding retirement accounts)of $250,000 or less | RCONF050 | 2,200 |
| Number of deposit accounts (excluding retirement accounts) of more than $250,000 | RCONF052 | 187 |
| Number of retirement deposit accounts of $250,000 or less | RCONF046 | 56 |
| Number of retirement deposit accounts of more than $250,000 | RCONF048 | 2 |
| Averaging method used | RCONK653 | 1 |
Schedule RC-P: 1-4 Family Residential Mortgage Banking Activities (2 items)
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (16 items)
About Schedule RC-R, Part I · Gold Coast Bank regulatory capital components and ratios trends
| Line item | Code | Q1 2026 |
|---|---|---|
| Total assets | RCOA2170 | $463.1M |
| Average total assets (net of deductions) | RCOAA224 | $460.9M |
| Average total consolidated assets | RCOAKW03 | $460.9M |
| Common equity tier 1 capital | RCOAP859 | $68.5M |
| Common equity tier 1 capital before adjustments and deductions | RCOAP840 | $68.5M |
| Subtotal of common equity tier 1 capital, adjustments and deductions | RCOAP852 | $68.5M |
| Tier 1 capital allowable under the risk-based capital guidelines | RCOA8274 | $68.5M |
| Total off-balance sheet exposures (sum of items 34.a through 34.c) Report as a dollar amount in Column A and as a percentage of total assets (25% limit) in Column B | RCOAKX82 | $65.7M |
| Off-balance sheet exposures, Unused portion of conditionally cancellable commitments | RCOAKX79 | $64.0M |
| Retained Earnings | RCOAKW00 | $51.5M |
| Common equity tier 1 capital, common stock plus related surplus, net of treasury stock and unearned employee stock ownership plan (ESOP) shares | RCOAP742 | $17.0M |
| Off-balance sheet exposures, Other off-balance sheet exposures | RCOAKX81 | $1.7M |
| A. AOCI opt-out election (enter '1' for yes, enter '0' for no.) | RCOAP838 | 1 |
| Do you qualify for and opt-in to CBLR? | RCOALE74 | 1 |
| Tier 1 leverage capital ratio | RCOA7204 | 0.1486 |
| Total off-balance sheet exposures (sum of items 15a through 15.c) | RCOAKX83 | 0.1418 |
Schedule RI-A: Changes in Bank Equity Capital (4 items)
| Line item | Code | Q1 2026 |
|---|---|---|
| Total equity capital | RIAD3210 | $68.5M |
| Balance end of previous calendar year as restated | RIADB508 | $67.1M |
| Equity capital, most recently reported for the end of previous calendar year (i.e., after adjustments from amended reports of income) | RIAD3217 | $67.1M |
| Sale, conversion, acquisition, or retirement of capital stock, net (excluding treasury stock transactions) | RIADB509 | $7K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (2 items)
About Schedule RI-B, Part II · Gold Coast Bank changes in allowances for credit losses trends
Schedule SU: Supplemental Information (1 item)
| Line item | Code | Q1 2026 |
|---|---|---|
| Total outstanding principal balance of assets sold by the reporting institution with recourse or other seller provided credit enhancements, but not securitized by the reporting institution | RCONFT10 | $78.2M |
Gold Coast Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
Gold Coast Bank financial reports and ratios →
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Regulator records: FDIC BankFind (cert 58556) · FFIEC NIC profile (RSSD 3593307)