# GULF COAST BANK&TRUST CO
NEW ORLEANS, LA · FDIC certificate 32974 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $3.86B | |
| Deposits | $3.31B | |
| Loans and leases | $2.82B | |
| Total equity | $325.4M | |
| Loans / deposits | 83.69% (p42 of band) | 87.10% |
| Liquid assets / assets | 24.26% (p62 of band) | |
| Uninsured deposits / deposits | 21.40% (p21 of band) | 30.76% |
| Brokered deposits | 1.67% | |
| Wholesale funding | 5.82% (p49 of band) | |
| FHLB advances / assets | 1.06% | |
| Tier 1 leverage | 9.07% (p14 of band) | 10.50% |
| Unrealized securities loss / equity | -13.00% (p33 of band) | -7.75% |
| AOCI / equity | -0.86% (p21 of band) | |
| ROA (annualized) | 1.11% (p39 of band) | 1.26% |
| Net interest margin | 7.03% (p98 of band) | 3.70% |
| Efficiency ratio | 71.52% (p82 of band) | |
| Noncurrent loans | 1.60% (p87 of band) | 0.51% |
| Net charge-offs (annualized) | 0.32% (p91 of band) | |
| Reserve coverage of noncurrent | 114.24% | |
| Real estate % of loans | 51% | |
| Construction % of loans | 72.58% (p74 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 7.4% | |
| Employees | 926 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 2 |  | brokered >10% |
| 2012-06 | 1 |  | wholesale funding >15% |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 2 | capital falling |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 4 | wholesale funding >15%, noncurrent p90, charge-offs p90 | capital falling |
| 2015-03 | 2 |  | wholesale funding >15%, charge-offs p90 |
| 2015-06 | 3 | capital falling |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 2 |  | capital falling |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | capital falling |  |
| 2016-12 | 4 | charge-offs p90 |  |
| 2017-03 | 3 |  | charge-offs p90 |
| 2017-06 | 4 | charge-offs p90 |  |
| 2017-09 | 3 |  | capital falling |
| 2017-12 | 4 | construction >100% equity |  |
| 2018-03 | 2 |  | charge-offs p90, construction >100% equity |
| 2018-06 | 3 | charge-offs p90 |  |
| 2018-09 | 4 | uninsured deposits leaving |  |
| 2018-12 | 4 |  |  |
| 2019-03 | 2 |  | charge-offs p90, uninsured deposits leaving |
| 2019-06 | 1 |  | noncurrent p90 |
| 2019-09 | 3 | capital falling, noncurrent p90 |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 5 | losing money, expense ratio p90 |  |
| 2020-06 | 4 |  | losing money |
| 2020-09 | 3 | charge-offs p90 | capital falling, expense ratio p90 |
| 2020-12 | 3 |  |  |
| 2021-03 | 1 |  | reserve under noncurrent, noncurrent p90 |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | charge-offs p90 |
| 2022-06 | 1 | charge-offs p90 |  |
| 2022-09 | 2 | AOCI drag >20% of equity |  |
| 2022-12 | 0 |  | charge-offs p90, AOCI drag >20% of equity |
| 2023-03 | 3 | noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 2 |  | charge-offs p90 |
| 2023-12 | 3 | charge-offs p90 |  |
| 2024-03 | 4 | capital falling |  |
| 2024-06 | 3 |  | reserve under noncurrent |
| 2024-09 | 3 | reserve under noncurrent | capital falling |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 | capital falling | charge-offs p90 |
| 2025-06 | 2 |  | capital falling |
| 2025-09 | 1 | charge-offs p90 | noncurrent p90, reserve under noncurrent |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2017-06-16 [West Jefferson property transfers, May 22-30, 2017 - NOLA.com](https://news.google.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?oc=5) · NOLA.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=32974 (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/14.json (key "32974", 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