Gulf Coast Bank and Trust Company: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Loans and leases to core deposits climbed 4.73 percentage points in Q2 2026, from 87.13% to 91.86%. It was the largest change from Q1 2026 among the key lines here. Gulf Coast Bank and Trust Company ranks 42nd of 103 Louisiana banks on loan-to-deposit ratio, in the upper half at 85.25% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Gulf Coast Bank and Trust Company sits 2.95 points lower, at 85.25% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $174.9M |
| Cash and noninterest-bearing balances to assets | 4.54% |
| Cash and securities | $935.3M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $160.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.16% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.25% |
| Net loans and leases to deposits | 83.69% |
| Loans and leases to core deposits | 91.86% |
| Core deposits to total deposits | 90.86% |
| Brokered deposits to total deposits | 1.94% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 86.54% | 92.78% | $0 | $192.2M |
| Q4 2023 | 83.17% | 90.78% | $0 | $174.6M |
| Q1 2024 | 82.96% | 90.43% | $0 | $145.9M |
| Q2 2024 | 84.17% | 90.96% | $0 | $134.9M |
| Q3 2024 | 84.44% | 90.09% | $0 | $129.9M |
| Q4 2024 | 82.17% | 89.85% | $0 | $122.1M |
| Q1 2025 | 82.08% | 90.68% | $0 | $126.6M |
| Q2 2025 | 82.18% | 92.22% | $0 | $113.2M |
| Q3 2025 | 83.80% | 92.42% | $0 | $104.0M |
| Q4 2025 | 81.93% | 91.38% | $0 | $113.7M |
| Q1 2026 | 81.42% | 91.45% | $0 | $114.6M |
| Q2 2026 | 85.25% | 90.86% | $0 | $160.3M |
Gulf Coast Bank and Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Gulf Coast Bank and Trust Company, freeSource: Call Report Schedules RC and RC-M, 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)