Gulf Coast Business Bank: 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 Core deposits to total deposits: 7.48 percentage points higher than in Q1 2026, at 78.24%. Gulf Coast Business Bank ranks 71st of 79 Florida banks on return on assets, in the lower half at 0.19% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, Gulf Coast Business Bank reported 0.19% on return on assets in Q2 2026, 1.07 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.53% |
| Equity capital to assets | 13.73% |
| Tangible equity to tangible assets | 13.73% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.30% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.19% |
| Return on equity | 1.44% |
| Net interest margin | 3.86% |
| Efficiency ratio | 89.81% |
| Yield on earning assets | 6.60% |
| Cost of funds | 3.11% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 98.57% |
| Core deposits to total deposits | 78.24% |
| Brokered deposits to total deposits | 11.41% |
| Deposits to assets | 85.92% |
| Securities to assets | 2.72% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 25.38% | -2.75% | 4.68% | 0.00% | 0.05% |
| Q4 2023 | 23.80% | -1.72% | 4.52% | 0.00% | 0.00% |
| Q1 2024 | 21.05% | -3.88% | 4.25% | 0.00% | 0.00% |
| Q2 2024 | 19.65% | -2.48% | 4.38% | 0.00% | 0.00% |
| Q3 2024 | 17.36% | -1.81% | 4.18% | 0.00% | 0.05% |
| Q4 2024 | 15.85% | -1.47% | 4.11% | 0.00% | 0.00% |
| Q1 2025 | 13.46% | -1.59% | 3.92% | 0.00% | 0.00% |
| Q2 2025 | 15.02% | -0.67% | 4.23% | 0.00% | 0.00% |
| Q3 2025 | 15.73% | 0.06% | 4.45% | 0.00% | 0.00% |
| Q4 2025 | 15.04% | 4.03% | 3.87% | 2.66% | 0.03% |
| Q1 2026 | 13.22% | 0.55% | 4.29% | 0.00% | 0.00% |
| Q2 2026 | 12.53% | 0.19% | 3.86% | 0.00% | 0.00% |
Gulf Coast Business Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Gulf Coast Business Bank, 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 Business Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59281) · FFIEC NIC profile (RSSD 5724226)