Gold Coast Bank

Chicago, IllinoisFDIC Cert #58556

STATEEstablished 20071 branch

Holding company: GC BCORP INCRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$60.9M
Investor CRE	$31M
Multifamily	$36.7M
Construction	$20.6M
1–4 family	$156M
C&I	$17M
Agriculture	$0
Other	$239K

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$323M

−8.7%y/y

Percentile by value45th percentileby value

FDICLNLSGR

Net loans

$310M

−8.7%y/y

Percentile by value43rd percentileby value

FDICLNLSNET

Loans YoY

−8.73%

−5,246.1%y/y

Percentile by value3rd percentileby value

FDICLNLSNET

L/D

84.7%

−11.0%y/y

Percentile by value60th percentileby value

FDICLNLSNET + DEP

Loans/assets

67.0%

−11.0%y/y

Percentile by value44th percentileby value

FDICLNLSNET + ASSET

RE loans %

107.66%

−1.0%y/y

Percentile by value99th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

3,163points

−1.9%y/y

Peer standing17th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

18.86%

+12.1%y/y

Percentile by value78th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

9.60%

−1.6%y/y

Percentile by value35th percentileby value

FDICLNRENROT + LNLSGR

C&I %

5.27%

+12.1%y/y

Percentile by value22nd percentileby value

FDICLNCI + LNLSGR