Gulf Coast Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) climbed 7.84 percentage points in Q2 2026, from 143.01% to 150.85%. It was the largest change from Q1 2026 among the key lines here. Gulf Coast Bank ranks 76th of 103 Louisiana banks on loan-to-deposit ratio, in the lower half at 66.28% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Gulf Coast Bank sits 14.56 points lower, at 66.28% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $294.4M |
| Net loans and leases | $290.9M |
| Loans held for sale | $0 |
| Loans to total assets | 57.31% |
| Loan-to-deposit ratio | 66.28% |
| Net loans to equity capital | 4.48% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 44.04% |
| Multifamily (5+ residential) | 0.01% |
| Commercial and industrial | 13.11% |
| Consumer | 5.24% |
| Credit cards | 0.00% |
| Farm | 1.35% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.60% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 150.85% |
| Construction concentration (Tier 1 capital + allowance) | 63.99% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.26% |
| Interest income on loans | $5.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $292.4M | $434.5M | 43.23% | 15.38% | 8.30% |
| Q4 2023 | $291.1M | $434.1M | 43.97% | 15.20% | 8.18% |
| Q1 2024 | $305.2M | $444.6M | 46.58% | 13.97% | 7.98% |
| Q2 2024 | $297.7M | $438.3M | 47.22% | 12.98% | 8.05% |
| Q3 2024 | $302.8M | $427.6M | 46.51% | 12.91% | 7.68% |
| Q4 2024 | $299.0M | $434.0M | 45.90% | 13.08% | 7.42% |
| Q1 2025 | $298.8M | $437.4M | 47.14% | 11.75% | 7.01% |
| Q2 2025 | $298.5M | $432.4M | 47.25% | 11.97% | 6.79% |
| Q3 2025 | $300.6M | $431.2M | 46.12% | 13.47% | 6.37% |
| Q4 2025 | $294.6M | $426.5M | 44.80% | 14.54% | 6.08% |
| Q1 2026 | $295.2M | $444.3M | 44.51% | 13.89% | 5.65% |
| Q2 2026 | $294.4M | $444.1M | 44.04% | 13.11% | 5.24% |
Gulf Coast Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Gulf Coast Bank, freeSource: Call Report Schedule RC-C, 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)