# GULF COAST COMMUNITY BANK
PENSACOLA, FL · FDIC certificate 57564 · asset band <$300M · latest filing 2016-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (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 | $121.9M | |
| Deposits | $111.9M | |
| Loans and leases | $91.0M | |
| Total equity | $-5.4M | |
| Loans / deposits | 78.75% (p58 of band) | 74.46% |
| Liquid assets / assets | 15.49% (p15 of band) | |
| Uninsured deposits / deposits | 8.54% (p22 of band) | 14.82% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 11.85% (p87 of band) | |
| FHLB advances / assets | 11.85% | |
| Tier 1 leverage | -3.71% (p0 of band) | 10.76% |
| Unrealized securities loss / equity | – | -0.86% |
| AOCI / equity | – | |
| ROA (annualized) | -8.23% (p0 of band) | 0.85% |
| Net interest margin | 4.54% (p89 of band) | 3.68% |
| Efficiency ratio | 0.00% (p0 of band) | |
| Noncurrent loans | 0.27% (p34 of band) | 0.62% |
| Net charge-offs (annualized) | -0.04% (p8 of band) | |
| Reserve coverage of noncurrent | 1187.40% | |
| Real estate % of loans | 87% | |
| Construction % of loans | – | |
| Auto loans | $11,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $1.4M (– of equity) | |
| Deposits YoY | -3.1% | |
| Employees | 50 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 7 | leverage <7%, losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 9 | leverage <5% |  |
| 2011-09 | 10 | capital falling |  |
| 2011-12 | 10 |  |  |
| 2012-03 | 10 | deposits shrinking, assets shrinking | charge-offs p90, capital falling |
| 2012-06 | 10 |  |  |
| 2012-09 | 11 | capital falling |  |
| 2012-12 | 11 |  |  |
| 2013-03 | 7 |  | losing money, expense ratio p90, deposits shrinking, capital falling |
| 2013-06 | 12 | AOCI drag >20% of equity, securities losses >30% of equity, losing money, expense ratio p90, charge-offs p90, deposits shrinking | noncurrent p90 |
| 2013-09 | 13 | noncurrent p90 |  |
| 2013-12 | 11 |  | charge-offs p90, noncurrent p90 |
| 2014-03 | 6 |  | reserve under noncurrent, AOCI drag >20% of equity, securities losses >30% of equity, losing money, expense ratio p90 |
| 2014-06 | 6 |  |  |
| 2014-09 | 6 |  |  |
| 2014-12 | 7 | expense ratio p90 |  |
| 2015-03 | 8 | losing money |  |
| 2015-06 | 8 |  |  |
| 2015-09 | 7 | capital falling | assets shrinking, deposits shrinking |
| 2015-12 | 7 |  |  |
| 2016-03 | 7 | assets shrinking | capital falling |
| 2016-06 | 7 | deposits shrinking, uninsured deposits leaving | losing money, assets shrinking |
| 2016-09 | 6 | losing money | deposits shrinking, uninsured deposits leaving |
| 2016-12 | 6 | capital falling, assets shrinking | construction >100% equity, expense ratio p90 |

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

- 2016-10-14 [Mississippi bank buys Gulf Coast Community - Pensacola News Journal](https://news.google.com/rss/articles/CBMimgFBVV95cUxPZG1yODBYZkVXNG5fLTRiSS1IMUZ2aUl4TDVrbDdRNEFRcS14RF93dlVjOUV5eUNRc3F0ZDZiWDFkMUpMMTVZWUpGYm9vbV9EYWEwQ3daZmJfR1c1TDg0NHhpVWtRUWhEZGtvalBYRDZrWUdEVTF5N2x6SElHdnQyTHR5OC1qTHVKbEVKMGZNZlZscklHU2xTOUZn?oc=5) · Pensacola News Journal
- 2016-11-04 [The Financial Crisis, BP Oil Spill Just Claimed Another Bank - American Banker](https://news.google.com/rss/articles/CBMimwFBVV95cUxOZXpYSzNKbndFcFRWVVVReV9OenRCUGhJVEF0VWl2cG5BM1I1TEhaaHUyQURFLU1uNGlpOE93WXkzY0F0dUtQb3hKV0M2TVdxamF6NE1zSDNhN2gtbVBiWjlmbEs0ekEwWFlUZmFzMnBOZldySFBhcV84YVozXzV1Q0N2ZV9TSHMzVmx4TGtrVGNfVk1tMmxpQ0d6UQ?oc=5) · American Banker
- 2013-09-13 [UWF’s Executive Mentor Program welcomes second class of students and mentors - University of West Florida](https://news.google.com/rss/articles/CBMidkFVX3lxTE84SjUwbnRVTnJGWHQwdk91bktJVzdxelZSekZTQkZDeHN0VFB6emp4ZnFTUU1BU2tSU2tTMVFiUXYtSkltVnp0MFpLU1NRYUlvQlJwSVpmZVliMlhxUkNpYUhkTWlKRG1JNmFkRWN6TlZWQTVhM2c?oc=5) · University of West Florida
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity
- 2021-10-08 [John Wachtel Obituary (2009) - Pensacola, FL - the Pensacola News Journal - legacy.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxQeXVoVUMwcXFpZzMwa1gzNnFFS3lqYmFRdFJxclFTQzNwYTZGVEl0OWhHd3lDRm5MaWl3MnpSNExsbVlVVDZubU12cTMySndjR0R3dzNaZ0VfR2lPcFNVeDlFOGI4UWMyeUYyN295YjhxbFpTVzVwUnhoVTk0allRWUllMmxNeUU2NEx3enJNMVpQNzZTSFl0TXphNG4?oc=5) · legacy.com
- 2018-03-19 [Jennifer Brown Obituary - Pensacola, FL - Dignity Memorial](https://news.google.com/rss/articles/CBMihAFBVV95cUxNZ0dIbVhrQlU3REt5NDVjWFRrNW9JUVJtbUZoV0FyU25jS0lYclMycmZRZk1sQ0hOU2NmdjN4aHR4VEFEeV9wUHR0dEFEUVRBX19sTjZYWmZTbDNsVG5OR1Y1UmlsQkRqVUpuTTdscUZsck5XbmhiSDlrMzZXODBRallJbVE?oc=5) · Dignity Memorial
- 2009-10-01 [Pensacola Beach, Gulf Breeze Chambers pair up for annual combined Business After Hours - Gulf Breeze News](https://news.google.com/rss/articles/CBMixgFBVV95cUxObTVmYUlwX09Xa3Y1T1ZsWVZUcnlCdmVvVnl0c25aY0tqc3h4NUdMelJrNlYzbkxIZ0RZYzJvMGluTnVodDVMR21YbTBaN1NGc0sxQktRdHRzY0s0dkZLUDl4UnRGRTZFZXFNVG5tWmZ6NHlLdlVlZzRsc1AxRC00eDZ0TTBubE9xQ0tjTloxZHl5RVBCZ1FGelFVZkhmWUpCZVE1bkRKLVRMYzRxMjJFcjFMak90RFhTd2ZFbFdjTWxaMXQyT0E?oc=5) · Gulf Breeze News
- 2015-03-10 [Crystal Williams Obituary (1966 - 2015) - Pensacola, FL - the Pensacola News Journal - legacy.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxPTG5ha1hZa1I1Ny14WmM4ajBXX3Y2a3FaTmZQajlxM0xZN00zaFJLSk1uUWQtNGZzWmlqSzZaTlByY1lJazNBQ1lSZWJSLUU1QTB1RWpIS0RsS1ZTV094WG5ZallBbGFpVURoWVVLc0UxMkswd1VuVGcydTcyMXY4Yl9Kbk5Pdi00ZEphcC15OGdOOVI0dnZETWlPMEFiWGpJQmc?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57564 (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/28.json (key "57564", 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