# GULF COAST BANK
ABBEVILLE, LA · FDIC certificate 20353 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $513.7M | |
| Deposits | $444.1M | |
| Loans and leases | $294.4M | |
| Total equity | $64.9M | |
| Loans / deposits | 65.49% (p19 of band) | 82.04% |
| Liquid assets / assets | 36.11% (p77 of band) | |
| Uninsured deposits / deposits | 19.55% (p27 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.75% (p88 of band) | 10.81% |
| Unrealized securities loss / equity | -29.10% (p13 of band) | -8.10% |
| AOCI / equity | -1.45% (p13 of band) | |
| ROA (annualized) | 1.25% (p49 of band) | 1.28% |
| Net interest margin | 5.03% (p94 of band) | 3.91% |
| Efficiency ratio | 71.16% (p76 of band) | |
| Noncurrent loans | 0.63% (p60 of band) | 0.43% |
| Net charge-offs (annualized) | 0.08% (p81 of band) | |
| Reserve coverage of noncurrent | 188.58% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 82.21% (p79 of band) | |
| Auto loans | $8.9M (3.01% of loans; DQ 1.45%, NCO 0.01%) | |
| Loans to nondepository financials | $20,000 (0% of equity) (p90 of band) | |
| Deposits YoY | 2.7% | |
| Employees | 121 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 2 | capital falling, reserve under noncurrent |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 1 |  | capital falling |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 1 |  | capital falling |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 2 | uninsured deposits leaving |  |
| 2014-09 | 1 |  | uninsured deposits leaving |
| 2014-12 | 2 | capital falling |  |
| 2015-03 | 1 |  | capital falling |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | charge-offs p90 |  |
| 2016-06 | 2 | noncurrent p90 | charge-offs p90 |
| 2016-09 | 2 | uninsured deposits leaving | noncurrent p90 |
| 2016-12 | 1 |  | uninsured deposits leaving |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | noncurrent p90 |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 |  | noncurrent p90 |
| 2018-06 | 2 | noncurrent p90 |  |
| 2018-09 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving | noncurrent p90 |
| 2018-12 | 2 | charge-offs p90 | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2019-03 | 1 |  | charge-offs p90 |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | noncurrent p90 |  |
| 2020-06 | 1 |  | noncurrent p90 |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 4 | AOCI drag >20% of equity, securities losses >30% of equity, noncurrent p90 |  |
| 2022-09 | 3 | charge-offs p90 | reserve under noncurrent, noncurrent p90 |
| 2022-12 | 3 |  |  |
| 2023-03 | 5 | reserve under noncurrent, deposits shrinking, assets shrinking, uninsured deposits leaving | AOCI drag >20% of equity, charge-offs p90 |
| 2023-06 | 4 |  | reserve under noncurrent |
| 2023-09 | 3 |  | uninsured deposits leaving |
| 2023-12 | 3 |  |  |
| 2024-03 | 2 | charge-offs p90 | deposits shrinking, assets shrinking |
| 2024-06 | 1 |  | charge-offs p90 |
| 2024-09 | 0 |  | securities losses >30% of equity |
| 2024-12 | 1 | securities losses >30% of equity |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | securities losses >30% of equity |
| 2025-12 | 1 | reserve under noncurrent |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 0 |  | reserve under noncurrent |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-29 [Gulf Coast Bank Names New Business Development Officer - Biz New Orleans](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOa2pFUVVnMnJyVTROZEFYdnB2VG5LREhESG9UbFVJbVZqZVZnZlhrb0tiUDlmdG9CcFVuRE1ueUtvbDFTYTZ3VTZmUG5abXBOSzlqY3lsTFNSTzd2cU9jaUJaM0lDMVpfV21tMzc5Mjc3Sy1KUUhEZF9rMG9mNEFqc2lHX3dadGdX?oc=5) · Biz New Orleans
- 2026-07-10 [FHLB Dallas and Gulf Coast Bank & Trust Help Baton Rouge, Louisiana, Woman Become a First-Time Homeowner with $20K Grant - Business Wire](https://news.google.com/rss/articles/CBMihgJBVV95cUxOM1luZWRaUFYzNVZEbXBHeHdDZV9rbEFCNUkxU2wzYmZXZ0s0TVpaOTRoMDc3dW0wcjg3S3V5b1Z3NVpUZUpmWk1ucmxNVTd5YlV1MjRWeHdfTXgwOHd6WGRaRHVjZTQ0a1R3dTR2cnZSdUdvd2N3LXFVRFpjeVdXWG5JekI4U2NfZWhRMFJkeVV0VDBLV1R0RTNXM000X3I3MzN5X0RxU2VPU2RfTnA2bGVzY3JkMnZhRnpLc2JySHBNT2NPQy1kclpIVVdldE1fQXBZX0haMTZpa3U2bEQzcGhCcUlfTGtnUHN5allPSzk0MmFxcGZTOURkODZpZVJkYUdId1FB?oc=5) · Business Wire
- 2026-03-05 [Top Private Companies 2026: Gulf Coast Bank tops Louisiana banks in 2025 - New Orleans CityBusiness](https://news.google.com/rss/articles/CBMimAFBVV95cUxQMmRjNnVud0lPcG5rYnFmdlBOcmx0NDJsU1ZSVUp2dXc4UTR2UUIyam5oVVNhYWtWWlczeHVGYVJtNmdaTldENmgyQlJSMEVpVmRxSjBwdF8wMHRlQnprWmx2cF9aV0FQNFRIc3BvcXBoLS1EUVlvXzVDcUp2VkE3d3gwa1FZbGNGdFRvNnhNSFN5eDVUbWxrbA?oc=5) · New Orleans CityBusiness
- 2026-08-01 [Gulf Coast Bank Number of Employees 2026 | Employee Count & Headcount Data - reveliolabs.com](https://news.google.com/rss/articles/CBMicEFVX3lxTE5ubU5pMVdrVGhGN0t6WFBaYW9mXzZRQWowM19iZFcyeURoUXZTOGdFXzV1Yl9EZkQ5RG5jR1dvcnQxM3hCZTgzSU4xTlQyTU9hYlI1UEQyemxzeVJ6LXVpWEtvb25aZTVmMS1HUDVxR2w?oc=5) · reveliolabs.com
- 2026-07-13 [Third Coast Bancshares Sells Commercial Capital Assets to Gulf Coast Bank - citybiz](https://news.google.com/rss/articles/CBMisgFBVV95cUxOZ2ZVdGNibm5aa3hUc0NmSjZtc19nV0hPdGNyaEk4V2VqdDg1eW5NWHZLTEs0ZVh4X1M2YjN5SnhGYTBvRzlnRk5zelhZZG85ZHN3ejR4U1VMRVZqUXhiMU5zdVJnRlBuTE5TcXBtTURqZThMUzdMOVpMajFfM2R1TWhYM2NTblFHVUFlTWNITm91VDRuWWY2VlliVDhXOVk1RlVHYms4NW9WUTVkZERzRWJR?oc=5) · citybiz
- 2026-07-13 [Third Coast Bancshares, Inc. Announces Sale of Third Coast Commercial Capital, Inc. Assets - TradingView](https://news.google.com/rss/articles/CBMi4AFBVV95cUxPa2xIUTIyaUNTTWpBeFpGODhwaEJWaXAydi04NlgxSE0zNjUyVWFla3owWGhRdUR5WjRETXpOdHV2QTBqVWlWSUNIN0tSV0I0VmJJUnItWW5fYW9NeFVyNjRSd0JWNmpVYURpcE9qZm1wX0p4emtvOTBQTzk4aEtlYl80NDNKc0R3ZlJuYVJISEtxRm0yUlJSNHMxTDV4ZVR3VHJRb256UEtFZFFZT2d0a3ZKLVVzZS0xRzFpQWpRY1dqbVV5bDJOV1FHM0NNQS1rZ3RvTXliX0ZMNjhmbGc4Tw?oc=5) · TradingView
- 2026-01-05 [Man shot near BR bank; 2 others run from scene - WAFB](https://news.google.com/rss/articles/CBMifkFVX3lxTE1LdkZsUFpxWTlSYllyQnRybjFNQ2pLdDgyMUNDMmFGa2dWeTN5MnJEajlRaFFZRjkzYlYwakNqRkZ5djQxRGk3ZkNKTGtMZGN1dV93X3I4YTBhTV9fVzFnSmRQWUEtMVBuLW9wa09TeVUtUk1hTV90dVhPWW1NQdIBkgFBVV95cUxNRFlKV1Q0RVVrSmxmcE9lMHdRNzdjd1RCZmhXTncxQm1BR0JuMW5nVUhvSE4wSFlyeGkxWFZTTjRTOVNqWWdZazZxZzVlbUFEZ2c2QjB5UjlGVTdEVlV2S2hXUHhSR3JUNklVc0ZhanB6cmE2aXlPeWZJNG0tbm92OGhVTjdBbkJuRGdGajNCYlNlQQ?oc=5) · WAFB
- 2026-05-31 [Gulf Coast Bank & Trust Company - Biz New Orleans](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQQzdxa0ZYSldmS0hQTjFqOFF3cThLVDJ5bGF2UzIzTHRieGR0YTRwZElTSWp1b2hxOC1uMkFmNXN5THVCbFZ2ZUg3V1BtM1lSaV81ZFhmSmN2YjduZWVGQlR1bmdPUWRjQ1h4ZXA5M3RfY3dReHBaaUpFSzZRMnlDWlRLSWtNM2pCajVR?oc=5) · Biz New Orleans

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=20353 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/1.json (key "20353", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide