Gulf Coast Bank and Trust Company: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 5.32 percentage points lower than in Q1 2026, at 60.56%. Within Louisiana, Gulf Coast Bank and Trust Company is 42nd of 103 on loan-to-deposit ratio, 85.25% as of Q2 2026, above the middle of the field. Gulf Coast Bank and Trust Company reported 85.25% on loan-to-deposit ratio for Q2 2026, 2.95 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.82B |
| Net loans and leases | $2.77B |
| Loans held for sale | $20.4M |
| Loans to total assets | 73.19% |
| Loan-to-deposit ratio | 85.25% |
| Net loans to equity capital | 8.52% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.05% |
| Multifamily (5+ residential) | 3.14% |
| Commercial and industrial | 46.05% |
| Consumer | 2.10% |
| Credit cards | 0.13% |
| Farm | 0.02% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 167.60% |
| Construction concentration (Tier 1 capital + allowance) | 60.56% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 10.82% |
| Interest income on loans | $72.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $2.21B | $2.55B | 18.25% | 36.28% | 2.20% |
| Q4 2023 | $2.21B | $2.65B | 18.59% | 35.55% | 1.55% |
| Q1 2024 | $2.29B | $2.75B | 19.74% | 36.14% | 1.13% |
| Q2 2024 | $2.42B | $2.88B | 19.08% | 36.30% | 2.25% |
| Q3 2024 | $2.41B | $2.85B | 18.60% | 35.16% | 2.23% |
| Q4 2024 | $2.41B | $2.93B | 19.50% | 34.93% | 1.53% |
| Q1 2025 | $2.44B | $2.97B | 19.58% | 36.03% | 0.94% |
| Q2 2025 | $2.53B | $3.08B | 19.75% | 35.38% | 2.14% |
| Q3 2025 | $2.55B | $3.05B | 21.07% | 34.18% | 1.98% |
| Q4 2025 | $2.58B | $3.15B | 21.60% | 34.02% | 1.34% |
| Q1 2026 | $2.64B | $3.24B | 21.41% | 44.96% | 1.09% |
| Q2 2026 | $2.82B | $3.31B | 22.05% | 46.05% | 2.10% |
Gulf Coast Bank and Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Gulf Coast Bank and Trust Company, freeSource: Call Report Schedule RC-C, 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)