Gulf Coast Business Bank: 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.
Construction concentration (tier 1 capital + allowance) dropped 17.59 percentage points in Q2 2026, from 78.83% to 61.24%. It was the largest change from Q1 2026 among the key lines here. Gulf Coast Business Bank ranks 10th of 81 Florida banks on loan-to-deposit ratio, in the upper half at 98.57% (Q2 2026). Gulf Coast Business Bank reported 98.57% on loan-to-deposit ratio for Q2 2026, 17.73 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $158.0M |
| Net loans and leases | $155.9M |
| Loans held for sale | $0 |
| Loans to total assets | 84.69% |
| Loan-to-deposit ratio | 98.57% |
| Net loans to equity capital | 6.09% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 59.38% |
| Multifamily (5+ residential) | 3.73% |
| Commercial and industrial | 17.14% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 2.38% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.58% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 227.76% |
| Construction concentration (Tier 1 capital + allowance) | 61.24% |
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 | 7.28% |
| Interest income on loans | $2.8M |
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 | $46.7M | $58.3M | 35.87% | 12.63% | 0.00% |
| Q4 2023 | $49.4M | $63.9M | 42.58% | 11.17% | 0.00% |
| Q1 2024 | $63.4M | $68.0M | 41.90% | 13.65% | 0.00% |
| Q2 2024 | $69.4M | $73.8M | 47.29% | 15.97% | 0.00% |
| Q3 2024 | $74.7M | $84.7M | 53.95% | 12.79% | 0.00% |
| Q4 2024 | $87.5M | $94.3M | 59.91% | 11.92% | 0.00% |
| Q1 2025 | $101.5M | $113.2M | 57.58% | 14.13% | 0.00% |
| Q2 2025 | $120.4M | $126.9M | 63.20% | 13.71% | 0.00% |
| Q3 2025 | $130.4M | $130.3M | 59.61% | 13.69% | 0.00% |
| Q4 2025 | $150.1M | $154.8M | 58.46% | 14.55% | 0.00% |
| Q1 2026 | $151.4M | $166.1M | 60.04% | 15.41% | 0.00% |
| Q2 2026 | $158.0M | $160.3M | 59.38% | 17.14% | 0.00% |
Gulf Coast Business Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Gulf Coast Business Bank, 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 Business Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59281) · FFIEC NIC profile (RSSD 5724226)