0.91%
−22.9%y/y
Peer standing15th percentile
FDIC
NETINC + ROAGC
Gulf Coast Bank and Trust Company
New Orleans, LouisianaFDIC Cert #32974
STATEEstablished 199038 branches
Holding company: Not reportedRegulator: FDIC
FDIC
CERT + OFFDOMProfitability, margin & efficiency
Performance
Returns, spread economics, operating efficiency, and growth viewed against this bank's official FFIEC UBPR peers.
As of Q1 2026
Returns & margin
Annualized returns and the economics of earning assets and paid funding.
10.64%
−27.3%y/y
Peer standing30th percentile
FDIC
NETINC + ROE1.19%
−19.6%y/y
Peer standing18th percentile
FDIC
PTAXNETINC + ASSET6.91%
−0.7%y/y
Peer standing99th percentile
FDIC
NIM + NIMY9.01%
−4.0%y/y
Peer standing99th percentile
FDIC
INTINCY2.81%
−14.6%y/y
Peer standing40th percentile
FDIC
EINTEXP + DEPIDOMEfficiency & growth
Operating productivity and year-over-year balance-sheet momentum.
72.24%
−1.6%y/y
Peer standing12th percentile
FDIC
NONIX + NIM + NONII + EEFFR5.78%
−3.9%y/y
Peer standing3rd percentile
FDIC
NONIX + ASSET15.63%
−5.4%y/y
Percentile by value43rd percentileby value
FDIC
NONII + NIM+8.66%
+35.0%y/y
Percentile by value71st percentileby value
FDIC
ASSET+9.08%
+17.4%y/y
Percentile by value70th percentileby value
FDIC
DEP+8.33%
+26.9%y/y
Percentile by value63rd percentileby value
FDIC
LNLSNETHow this bank compares
Switch cohorts or expand any row to inspect the full distribution.
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA0.91%15th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.74%Median 1.32%90th 1.92%Observations 236
ROE
FDIC
NETINC + ROE10.64%31st percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 6.84%Median 12.52%90th 17.99%Observations 236
NIM
FDIC
NIM + NIMY6.91%99th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.82%Median 3.67%90th 4.51%Observations 236
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR72.24%12th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 42.39%Median 57.00%90th 72.99%Observations 236
Deposits YoY
FDIC
DEP+9.08%70th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.73%Median +5.18%90th +19.87%Observations 236
Loans YoY
FDIC
LNLSNET+8.33%63rd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −2.10%Median +6.78%90th +19.98%Observations 236
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.74%89th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.15%Median 0.62%90th 1.72%Observations 236
Leverage
FDIC
RBC1AAJ9.02%11th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.00%Median 10.35%90th 13.08%Observations 236
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.81%40th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.86%Median 2.61%90th 3.59%Observations 236
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC174%24th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 104%Median 235%90th 346%Observations 214
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA0.91%24th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.58%Median 1.34%90th 1.93%Observations 89
ROE
FDIC
NETINC + ROE10.64%45th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 5.25%Median 11.34%90th 19.32%Observations 89
NIM
FDIC
NIM + NIMY6.91%99th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.28%Median 4.27%90th 5.02%Observations 89
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR72.24%23rd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 53.42%Median 64.94%90th 77.89%Observations 89
Deposits YoY
FDIC
DEP+9.08%75th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.40%Median +4.69%90th +14.00%Observations 89
Loans YoY
FDIC
LNLSNET+8.33%71st percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −7.26%Median +3.34%90th +17.13%Observations 89
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.74%73rd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.17%Median 1.11%90th 3.80%Observations 89
Leverage
FDIC
RBC1AAJ9.02%5th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.59%Median 11.30%90th 14.28%Observations 89
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.81%23rd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.39%Median 2.41%90th 3.33%Observations 89
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC174%54th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 31%Median 164%90th 270%Observations 38
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.