Gulf Coast Business Bank
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Data as of · sourced from FFIEC call reports. How we update
Gulf Coast Business Bank is an FDIC-insured commercial bank headquartered in Fort Myers, FL, established in 2022 (FDIC certificate 59281), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $186.6M, up 25.9% from Q2 2025, the 69th largest of 81 banks headquartered in Florida. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.53% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 59281
- Headquarters
- Fort Myers, FL
- Established
- 2022
- Total assets, Q2 2026
- $186.6M
- Assets vs Q2 2025
- +25.9%
- Tier 1 leverage ratio, Q2 2026
- 12.53%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 067017065
- Latest call report
- Q2 2026, FFIEC 051 · Gulf Coast Business Bank call report
- Asset rank in state
- 69th of 81 in Florida
Gulf Coast Business Bank spends more to run itself than most banks of its size. Based in Fort Myers, Florida, it had $187 million in assets at June 30, 2026, up 25.9% from a year earlier. It earns about $0.19 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,627 banks with $100 million to $1 billion in assets. It also spends about 90 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Loans are outrunning deposits: over the year loans rose 31.2% and deposits rose 26.3%. Funding is the softer spot: it pays an average of 3.11% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 1.80%).
As of June 30, 2026, Gulf Coast Business Bank reported a return on assets of 0.19%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Gulf Coast Business Bank is the 69th largest of the 81 banks headquartered in Florida. From Q1 2026 to Q2 2026, its total assets fell 2.9% to $186.6M, loans rose 4.4% and deposits fell 3.5%. Owner-occupied commercial real estate loans made up 35.1% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 24.3%. Its one office in the FDIC Summary of Deposits is in Fort Myers, FL. On its Q2 2026 call report, Gulf Coast Business Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 12205 Metro Pkwy, Fort Myers, FL 33966
- County
- Lee
- Metro Area
- Cape Coral-Fort Myers, FL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 6, 2022
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 27
- Domestic deposits
- $160.3M
- Allowance for credit losses
- $2.1M
- Net charge-offs (YTD)
- $0
- Average total assets
- $197.3M
- Average total loans
- $156.4M
- Average interest-bearing deposits
- $143.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 6, 2022
- FDIC Cert
- 59281
- Fed RSSD
- 5724226
- Website
- www.gcbbswfl.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Gulf Coast Business Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Gulf Coast Business Bank's total assets ran between $78.0M (Q3 2023) and $192.2M (Q1 2026), and it earned a profit in 4 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$186.6M total assets against $148.1M; $160.9M total liabilities against $127.9M.
$155.9M net loans and leases against $118.9M; $160.3M total deposits against $126.9M.
$5.1M securities against $6.2M; $20.9M cash and balances due against $21.5M.
$3.2M total interest income against $2.3M; $1.3M total interest expense against $893K.
$1.9M net interest income against $1.4M.
$86K total noninterest income against $101K; $1.7M total noninterest expense against $1.5M.
$68K provision for credit losses against $246K.
$92K net income against -$226K.
0.19% return on assets against -0.67%; 3.86% net interest margin against 4.23%.
12.53% tier 1 leverage ratio against 15.02%.
Inside the full Gulf Coast Business Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Gulf Coast Business Bank rankings
Its closest position to the top of a national ranking is 3,059 of 4,196, for total assets; its furthest is 3,546 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -1.81% (Q3 2024) to 4.03% (Q4 2025) and its net interest margin ran from 3.86% (Q2 2026) to 4.45% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.53% | 0.19% | 0.00% | 0.00% | 3.86% |
| Q1 2026 | 13.22% | 0.55% | 0.00% | 0.00% | 4.29% |
| Q4 2025 | 15.04% | 4.03% | 2.66% | 14.68% | 3.87% |
| Q3 2025 | 15.73% | 0.06% | 0.00% | 0.00% | 4.45% |
| Q2 2025 | 15.02% | -0.67% | 0.00% | 0.00% | 4.23% |
| Q1 2025 | 13.46% | -1.59% | 0.00% | 0.00% | 3.92% |
| Q4 2024 | 15.85% | -1.47% | 0.00% | 0.00% | 4.11% |
| Q3 2024 | 17.36% | -1.81% | 0.00% | 0.00% | 4.18% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Gulf Coast Business Bank (main office) | Fort Myers , FL | 33966 | $160.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in FL, rank 134 of 186 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 3 loans, $6.1M approved, $2.0M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Gulf Coast Business Bank
What are Gulf Coast Business Bank's total assets?
As of the Q2 2026 filing, Gulf Coast Business Bank reported total assets of $186.6 million in its FFIEC call report.
Where is Gulf Coast Business Bank headquartered?
It is headquartered in Fort Myers, FL, United States.
When was Gulf Coast Business Bank founded?
It was established in 2022, per the FDIC institution directory.
Is Gulf Coast Business Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #59281). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Gulf Coast Business Bank?
Gulf Coast Business Bank's primary federal regulator is the FDIC.
How many branches does Gulf Coast Business Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Gulf Coast Business Bank's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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