Gulf Coast Bank and Trust Company: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The largest change between Q1 2026 and Q2 2026 was in Risk-weighted assets, which rose 5.8% to $2.86B. On CET1 ratio, Gulf Coast Bank and Trust Company is 2nd from the bottom among 46 Louisiana banks, 11.85% (Q2 2026). Gulf Coast Bank and Trust Company reported 11.85% on CET1 ratio for Q2 2026, 1.63 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.85% |
| Tier 1 risk-based capital ratio | 11.85% |
| Total risk-based capital ratio | 13.10% |
| Tier 1 leverage ratio | 9.07% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $338.2M |
| Tier 1 capital | $338.2M |
| Total risk-based capital | $374.1M |
| Total equity capital | $325.4M |
| Risk-weighted assets | $2.86B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.44% |
| Tangible equity to tangible assets | 8.14% |
| Equity capital to average assets | 8.69% |
| Internal capital growth rate | 14.18% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.4M |
| Common stock surplus | $98.6M |
| Retained earnings | $250.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$25.5M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.54% | 12.54% | 13.79% | 9.25% | $2.27B |
| Q4 2023 | 12.67% | 12.67% | 13.93% | 9.21% | $2.26B |
| Q1 2024 | 11.81% | 11.81% | 13.07% | 8.93% | $2.39B |
| Q2 2024 | — | — | — | 8.77% | — |
| Q3 2024 | 11.64% | 11.64% | 12.90% | 8.81% | $2.52B |
| Q4 2024 | 10.36% | 10.36% | 11.62% | 8.56% | $2.78B |
| Q1 2025 | 10.37% | 10.37% | 11.63% | 8.46% | $2.78B |
| Q2 2025 | 10.51% | 10.51% | 11.76% | 8.60% | $2.86B |
| Q3 2025 | 11.82% | 11.82% | 13.08% | 8.84% | $2.64B |
| Q4 2025 | 12.15% | 12.15% | 13.41% | 9.00% | $2.64B |
| Q1 2026 | 12.21% | 12.21% | 13.47% | 9.02% | $2.70B |
| Q2 2026 | 11.85% | 11.85% | 13.10% | 9.07% | $2.86B |
Gulf Coast Bank and Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Gulf Coast Bank and Trust Company, freeSource: Call Report Schedule RC-R, 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 and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32974) · FFIEC NIC profile (RSSD 1458608)