Gulf Coast Bank and Trust Company
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Data as of · sourced from FFIEC call reports. How we update
Gulf Coast Bank and Trust Company is an FDIC-insured commercial bank headquartered in New Orleans, LA, established in 1990 (FDIC certificate 32974), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $3.86B, up 9.1% from Q2 2025, the 4th largest of 102 banks headquartered in Louisiana. Its CET1 capital ratio was 11.85% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 32974
- Headquarters
- New Orleans, LA
- Established
- 1990
- Total assets, Q2 2026
- $3.86B
- Assets vs Q2 2025
- +9.1%
- CET1 ratio, Q2 2026
- 11.85%
- Domestic offices
- 40 FDIC institution directory, current count
- Routing number
- 265070435
- Latest call report
- Q2 2026, FFIEC 041 · Gulf Coast Bank and Trust Company call report
- Asset rank in state
- 4th of 102 in Louisiana
Gulf Coast Bank and Trust Company earns an unusually wide margin on its lending. Based in New Orleans, Louisiana, it had $3.9 billion in assets at June 30, 2026, up 9.1% from a year earlier. It keeps 7.07 cents of net interest income on every dollar of earning assets, about double the median of 3.71 cents for the 880 banks with $1 billion to $10 billion in assets. On the other hand, it funds 9.07% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.49%).
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 1.35% of loans, down from 2.22% a year earlier. Its $329 million non-owner-occupied commercial real estate book is improving, with 0.21% past due or on nonaccrual, down from 2.01% a year earlier. Credit is the area to watch: it carries problem assets equal to 11.3% of the capital and reserves that would absorb them, about triple the median of 3.6% for banks its size.
As of June 30, 2026, Gulf Coast Bank and Trust Company reported a CET1 capital ratio of 11.85%, a return on assets of 1.32%, a nonperforming-loan ratio of 1.60% and a Texas ratio of 11.35%. The figures come from its call report filed with the FFIEC.
Gulf Coast Bank and Trust Company ranks as the 4th largest of the 102 banks based in Louisiana, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 3.8% to $3.86B, loans rose 7.1% and deposits rose 2.3%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 46.0% of total loans, ahead of 1-4 family residential loans at 17.7%. The FDIC Summary of Deposits lists 24 offices for it, in 16 cities across 4 states; its New Orleans 5 offices book 23% of its branch deposits. By the capital ratios in its Q2 2026 call report, Gulf Coast Bank and Trust Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 200 Saint Charles Ave, New Orleans, LA 70130
- County
- Orleans
- Metro Area
- New Orleans-Metairie, LA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- June 8, 1990
- Domestic offices
- 40 FDIC institution directory, current count
- Employees (FTE)
- 926
- Domestic deposits
- $3.31B
- Allowance for credit losses
- $51.7M
- Net charge-offs (YTD)
- $5.9M
- Average total assets
- $3.74B
- Average total loans
- $2.69B
- Average interest-bearing deposits
- $2.57B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- June 8, 1990
- FDIC Cert
- 32974
- Fed RSSD
- 1458608
- Website
- www.gulfbank.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Gulf Coast Bank and Trust Company's total assets moved between a low of $3.03B (Q3 2023) and a high of $3.86B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$3.86B total assets against $3.53B; $3.53B total liabilities against $3.24B.
$2.77B net loans and leases against $2.48B; $3.31B total deposits against $3.08B.
$760.5M securities against $716.3M; $174.9M cash and balances due against $189.8M.
$82.7M total interest income against $78.5M; $18.7M total interest expense against $19.3M.
$64.0M net interest income against $59.2M.
$11.1M total noninterest income against $12.8M; $55.1M total noninterest expense against $51.8M.
$3.5M provision for credit losses against $3.4M.
$12.3M net income against $12.4M.
1.32% return on assets against 1.41%; 7.07% net interest margin against 7.07%.
11.85% CET1 capital ratio against 10.51%; 9.07% tier 1 leverage ratio against 8.60%.
Inside the full Gulf Coast Bank and Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeGulf Coast Bank and Trust Company rankings
Its closest position to the top of a national ranking is 337 of 4,196, for total assets; its furthest is 1,755 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.66% (Q4 2024) to 1.41% (Q2 2025) and its net interest margin ran from 6.77% (Q1 2025) to 7.16% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.85% | 1.32% | 1.60% | 11.35% | 7.07% |
| Q1 2026 | 12.21% | 0.91% | 1.74% | 12.44% | 6.84% |
| Q4 2025 | 12.15% | 0.93% | 1.38% | 9.77% | 7.09% |
| Q3 2025 | 11.82% | 1.07% | 1.75% | 12.55% | 7.16% |
| Q2 2025 | 10.51% | 1.41% | 2.31% | 17.31% | 7.07% |
| Q1 2025 | 10.37% | 1.17% | 2.45% | 18.62% | 6.77% |
| Q4 2024 | 10.36% | -0.66% | 2.21% | 17.09% | 6.95% |
| Q3 2024 | 11.64% | 0.79% | 2.86% | 21.43% | 6.96% |
Swipe the table sideways to see every column.
Branch Network
View all 24 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Gulf Coast Bank and Trust Company (main office) | New Orleans , LA | 70130 | $487.4M |
| Miramar Branch | Miramar , FL | 32550 | $403.0M |
| Veterans Branch | Metairie , LA | 70005 | $261.3M |
| Manhattan Branch | Harvey , LA | 70058 | $228.1M |
| Civic Center Branch | Chalmette , LA | 70043 | $206.2M |
| Williams Boulevard Branch | Kenner , LA | 70065 | $164.2M |
| Gretna Branch | Gretna , LA | 70053 | $158.7M |
| Transcontinental Branch | Metairie , LA | 70006 | $154.4M |
| Lakeview Branch | New Orleans , LA | 70124 | $151.9M |
| Boston Branch | Covington , LA | 70433 | $139.6M |
| Covington Branch | Covington , LA | 70433 | $134.3M |
| Mandeville Branch | Mandeville , LA | 70471 | $112.3M |
| Slidell Branch | Slidell , LA | 70461 | $110.6M |
| 737 Terry Parkway Branch | Terrytown , LA | 70056 | $103.3M |
| Old Goodwood Branch | Baton Rouge , LA | 70806 | $88.7M |
| Perkins Branch | Baton Rouge , LA | 70810 | $79.3M |
| Business Center Branch | Chalmette , LA | 70043 | $75.2M |
| Hammond Branch | Hammond , LA | 70403 | $73.4M |
| Carrollton Branch | New Orleans , LA | 70119 | $69.0M |
| Elmwood Branch | Harahan , LA | 70123 | $51.5M |
| Magazine Street Branch | New Orleans , LA | 70115 | $47.7M |
| Orange Beach Branch | Orange Beach , AL | 36561 | $9.6M |
| Hattiesburg Branch | Hattiesburg , MS | 39401 | $826K |
| Gulf Coast Bank & Trust Mobile Banking Branch | New Orleans , LA | 70130 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 22, 1997 | Structure Change | Acquired Southwest Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| September 28, 1991 | Structure Change | Acquired Southern Federal Savings Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| September 27, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 25, 1991 | Structure Change | Acquired Security Homestead Federal Savings Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| June 23, 1990 | Structure Change | Acquired Central Savings and Loan Association, Federal Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| June 22, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 9, 1990 | Structure Change | Acquired American Savings and Loan Association, Federal Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| June 8, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 2.1% of deposits in LA, rank 10 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 139 loans, $137.9M approved, $992K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Gulf Coast Bank and Trust Company
What are Gulf Coast Bank and Trust Company's total assets?
As of the Q2 2026 filing, Gulf Coast Bank and Trust Company reported total assets of $3.86 billion in its FFIEC call report.
Where is Gulf Coast Bank and Trust Company headquartered?
It is headquartered in New Orleans, LA, United States.
When was Gulf Coast Bank and Trust Company founded?
It was established in 1990, per the FDIC institution directory.
Is Gulf Coast Bank and Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #32974). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Gulf Coast Bank and Trust Company?
Gulf Coast Bank and Trust Company's primary federal regulator is the FDIC.
What is Gulf Coast Bank and Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.85% in its Q2 2026 call report, above regulatory requirements.
How many branches does Gulf Coast Bank and Trust Company operate?
It operates 40 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Gulf Coast Bank and Trust Company's Texas Ratio?
Its Texas Ratio is 11.35% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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