Gulf Coast Bank and Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Gulf Coast Bank and Trust Company of New Orleans, LA against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.32% | 1.46% | -0.14% | 53rd above |
| ROAE | 15.39% | 12.71% | +2.68% | 74th above |
| Net Interest Margin | 7.07% | 3.84% | +3.23% | 99th top |
| Efficiency Ratio | 70.84% | 57.39% | +13.45% | 19th bottom |
| PPNR / Avg Assets | 2.14% | 1.88% | +0.26% | 75th top |
| Yield on Earning Assets | 9.13% | 5.71% | +3.42% | 99th top |
| Cost of Funds | 2.23% | 2.02% | +0.21% | 35th below |
| Net Interest Spread | 6.42% | 3.18% | +3.24% | 99th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.49% | 1.00% | +0.49% | 19th bottom |
| NPA / Total Assets | 1.17% | 0.76% | +0.41% | 19th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.33% | 0.43% | -0.10% | 13th bottom |
| ACL / Total Loans | 1.83% | 1.31% | +0.52% | 94th top |
| ACL / NPLs (Coverage) | 122.87% | 543.99% | -421.12% | 37th below |
| Texas Ratio | 14.03% | 7.38% | +6.65% | 13th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 178.40% | 619.38% | -440.98% | 54th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.85% | 17.35% | -5.50% | 22nd bottom |
| Tier 1 Ratio | 11.85% | 17.38% | -5.53% | 21st bottom |
| Total Capital Ratio | 13.10% | 18.43% | -5.33% | 24th bottom |
| Leverage Ratio | 9.07% | 11.44% | -2.37% | 13th bottom |
| Equity / Assets | 8.44% | 11.34% | -2.90% | 12th bottom |
| TCE / Tangible Assets | 8.14% | 10.50% | -2.36% | 14th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 85.25% | 86.96% | -1.71% | 58th above |
| Core Deposit Ratio | 90.86% | 85.55% | +5.31% | 62nd above |
| Uninsured Deposit Ratio | 21.40% | 33.14% | -11.74% | 80th top |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.16% | 5.71% | -1.55% | 48th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 9.11% | 9.68% | -0.57% | 73rd above |
| Loan Growth (Y/Y) | 11.37% | 8.05% | +3.32% | 77th top |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.36% | 7.87% | -0.51% | 64th above |
See Gulf Coast Bank and Trust Company's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Gulf Coast Bank and Trust Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Gulf Coast Bank and Trust Company profile, how to read a UBPR, or how this data updates.