Gulf Coast Bank and Trust Company: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 4.27 percentage points higher than in Q1 2026, at 122.87%. Gulf Coast Bank and Trust Company ranks 48th of 103 Louisiana banks on return on assets, in the upper half at 1.32% (Q2 2026). The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Gulf Coast Bank and Trust Company sits 0.04 points higher, at 1.32% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.85% |
| Tier 1 risk-based capital ratio | 11.85% |
| Total risk-based capital ratio | 13.10% |
| Tier 1 leverage ratio | 9.07% |
| Equity capital to assets | 8.44% |
| Tangible equity to tangible assets | 8.14% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.49% |
| Non-performing assets ratio | 1.17% |
| Net charge-off ratio | 0.33% |
| Texas ratio | 14.03% |
| Allowance for credit losses to loans | 1.83% |
| Reserve coverage of non-performing loans | 122.87% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.32% |
| Return on equity | 15.39% |
| Net interest margin | 7.07% |
| Efficiency ratio | 70.84% |
| Yield on earning assets | 9.13% |
| Cost of funds | 2.23% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.25% |
| Core deposits to total deposits | 90.86% |
| Brokered deposits to total deposits | 1.94% |
| Deposits to assets | 85.85% |
| Securities to assets | 19.72% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.54% | 12.54% | 13.79% | 9.25% | 1.18% |
| Q4 2023 | 12.67% | 12.67% | 13.93% | 9.21% | 0.23% |
| Q1 2024 | 11.81% | 11.81% | 13.07% | 8.93% | 0.36% |
| Q2 2024 | — | — | — | 8.77% | 0.45% |
| Q3 2024 | 11.64% | 11.64% | 12.90% | 8.81% | 0.79% |
| Q4 2024 | 10.36% | 10.36% | 11.62% | 8.56% | -0.66% |
| Q1 2025 | 10.37% | 10.37% | 11.63% | 8.46% | 1.17% |
| Q2 2025 | 10.51% | 10.51% | 11.76% | 8.60% | 1.41% |
| Q3 2025 | 11.82% | 11.82% | 13.08% | 8.84% | 1.07% |
| Q4 2025 | 12.15% | 12.15% | 13.41% | 9.00% | 0.93% |
| Q1 2026 | 12.21% | 12.21% | 13.47% | 9.02% | 0.91% |
| Q2 2026 | 11.85% | 11.85% | 13.10% | 9.07% | 1.32% |
Gulf Coast Bank and Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Gulf Coast Bank and Trust Company, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)