Gulf Coast Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 53.53 percentage points higher than in Q1 2026, at 194.12%. Gulf Coast Bank ranks 55th of 103 Louisiana banks on return on assets, in the lower half at 1.19% (Q2 2026). Gulf Coast Bank reported 1.19% on return on assets for Q2 2026, 0.06 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 14.75% |
| Equity capital to assets | 12.64% |
| Tangible equity to tangible assets | 12.64% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.61% |
| Non-performing assets ratio | 0.35% |
| Net charge-off ratio | 0.11% |
| Texas ratio | 2.73% |
| Allowance for credit losses to loans | 1.19% |
| Reserve coverage of non-performing loans | 194.12% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.19% |
| Return on equity | 9.77% |
| Net interest margin | 4.86% |
| Efficiency ratio | 71.41% |
| Yield on earning assets | 5.60% |
| Cost of funds | 0.82% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 66.28% |
| Core deposits to total deposits | 94.28% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.47% |
| Securities to assets | 31.03% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 13.61% | 1.04% | 4.12% | 0.78% | 0.08% |
| Q4 2023 | 13.70% | 0.78% | 4.21% | 0.55% | 0.07% |
| Q1 2024 | 13.88% | 0.81% | 4.12% | 0.55% | 0.24% |
| Q2 2024 | 13.96% | 1.19% | 4.33% | 0.36% | 0.07% |
| Q3 2024 | 14.43% | 1.20% | 4.33% | 0.43% | 0.13% |
| Q4 2024 | 14.28% | 1.21% | 4.44% | 0.89% | -0.01% |
| Q1 2025 | 14.71% | 1.06% | 4.65% | 0.73% | 0.02% |
| Q2 2025 | 14.91% | 1.35% | 4.83% | 0.60% | 0.01% |
| Q3 2025 | 15.34% | 1.48% | 4.88% | 0.96% | 0.04% |
| Q4 2025 | 15.38% | 1.43% | 4.76% | 0.89% | 0.10% |
| Q1 2026 | 15.51% | 1.19% | 4.77% | 0.86% | 0.16% |
| Q2 2026 | 14.75% | 1.19% | 4.86% | 0.61% | 0.11% |
Gulf Coast Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Gulf Coast Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)