Gulf Coast Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Gulf Coast Bank of Abbeville, LA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.19% | 1.34% | -0.15% | 45th below |
| ROAE | 9.77% | 13.32% | -3.55% | 34th below |
| Net Interest Margin | 4.86% | 3.93% | +0.93% | 90th top |
| Efficiency Ratio | 71.41% | 61.13% | +10.28% | 25th below |
| PPNR / Avg Assets | 1.50% | 1.68% | -0.18% | 44th below |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.60% | 5.67% | -0.07% | 50th above |
| Cost of Funds | 0.82% | 1.88% | -1.06% | 95th top |
| Net Interest Spread | 4.03% | 3.32% | +0.71% | 84th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.61% | 0.94% | -0.33% | 40th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.35% | 0.70% | -0.35% | 47th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.11% | 0.16% | -0.05% | 18th bottom |
| ACL / Total Loans | 1.19% | 1.28% | -0.09% | 49th below |
| ACL / NPLs (Coverage) | 194.12% | 1539.40% | -1345.28% | 47th below |
| Texas Ratio | 2.73% | 7.33% | -4.60% | 56th above |
| Provision / NCO | 69.70% | 1396.49% | -1326.79% | 33rd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 14.75% | 12.14% | +2.61% | 85th top |
| Equity / Assets | 12.64% | 11.37% | +1.27% | 76th top |
| TCE / Tangible Assets | 12.64% | 11.09% | +1.55% | 78th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 66.28% | 80.64% | -14.36% | 75th top |
| Core Deposit Ratio | 94.28% | 86.86% | +7.42% | 81st top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.00% | 6.85% | -3.85% | 40th below |
| Loan Growth (Y/Y) | -1.37% | 7.91% | -9.28% | 17th bottom |
| Deposit Growth (Y/Y) | 2.72% | 6.29% | -3.57% | 41st below |
See Gulf Coast Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Gulf Coast Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Gulf Coast Bank profile, how to read a UBPR, or how this data updates.