Gulf Coast Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Cash and balances due from depository institutions: 21.1% lower than in Q1 2026, at $26.1M. Within Louisiana, Gulf Coast Bank is 76th of 103 on loan-to-deposit ratio, 66.28% as of Q2 2026, below the middle of the field. Gulf Coast Bank reported 66.28% on loan-to-deposit ratio for Q2 2026, 14.56 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $26.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $185.5M |
| Fed funds sold and reverse repos | $50K |
| Fed funds sold and reverse repos to assets | 0.01% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 66.28% |
| Net loans and leases to deposits | 65.49% |
| Loans and leases to core deposits | 70.30% |
| Core deposits to total deposits | 94.28% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 67.30% | 96.76% | $0 | $0 |
| Q4 2023 | 67.06% | 96.15% | $0 | $0 |
| Q1 2024 | 68.63% | 93.51% | $0 | $0 |
| Q2 2024 | 67.92% | 94.03% | $0 | $0 |
| Q3 2024 | 70.81% | 94.75% | $0 | $0 |
| Q4 2024 | 68.90% | 94.62% | $0 | $0 |
| Q1 2025 | 68.32% | 95.78% | $0 | $0 |
| Q2 2025 | 69.03% | 94.68% | $0 | $0 |
| Q3 2025 | 69.72% | 94.29% | $0 | $0 |
| Q4 2025 | 69.07% | 94.29% | $0 | $0 |
| Q1 2026 | 66.44% | 94.80% | $0 | $0 |
| Q2 2026 | 66.28% | 94.28% | $0 | $0 |
Gulf Coast Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Gulf Coast Bank, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Gulf Coast Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20353) · FFIEC NIC profile (RSSD 459130)