# GOLD COAST BANK
CHICAGO, IL · FDIC certificate 58556 · asset band $300M-1B · latest filing 2026-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $463.1M | |
| Deposits | $366.4M | |
| Loans and leases | $322.7M | |
| Total equity | $68.5M | |
| Loans / deposits | 84.71% (p60 of band) | 80.78% |
| Liquid assets / assets | 30.83% (p64 of band) | |
| Uninsured deposits / deposits | 16.66% (p17 of band) | 25.87% |
| Brokered deposits | 4.85% | |
| Wholesale funding | 10.14% (p78 of band) | |
| FHLB advances / assets | 5.29% | |
| Tier 1 leverage | 14.86% (p90 of band) | 10.64% |
| Unrealized securities loss / equity | 0.00% (p97 of band) | -8.46% |
| AOCI / equity | 0.00% (p86 of band) | |
| ROA (annualized) | 1.24% (p51 of band) | 1.22% |
| Net interest margin | 3.14% (p15 of band) | 3.83% |
| Efficiency ratio | 59.73% (p43 of band) | |
| Noncurrent loans | 0.63% (p62 of band) | 0.42% |
| Net charge-offs (annualized) | 0.00% (p35 of band) | |
| Reserve coverage of noncurrent | 603.08% | |
| Real estate % of loans | 95% | |
| Construction % of loans | 30.04% (p36 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 2.6% | |
| Employees | 31 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, wholesale funding >15%, construction >100% equity |  |
| 2011-06 | 5 | loans exceed deposits, liquid assets <10% |  |
| 2011-09 | 5 |  |  |
| 2011-12 | 5 |  |  |
| 2012-03 | 4 | uninsured deposits leaving | construction >100% equity, liquid assets <10% |
| 2012-06 | 5 | capital falling, charge-offs p90 | loans exceed deposits |
| 2012-09 | 7 | loans exceed deposits, liquid assets <10% |  |
| 2012-12 | 5 |  | uninsured deposits leaving, charge-offs p90 |
| 2013-03 | 3 |  | capital falling, liquid assets <10% |
| 2013-06 | 4 | liquid assets <10% |  |
| 2013-09 | 3 |  | liquid assets <10% |
| 2013-12 | 3 |  |  |
| 2014-03 | 2 |  | loans exceed deposits |
| 2014-06 | 4 | loans exceed deposits, capital falling |  |
| 2014-09 | 4 | construction >100% equity | capital falling |
| 2014-12 | 3 |  | loans exceed deposits |
| 2015-03 | 3 |  |  |
| 2015-06 | 2 |  | construction >100% equity |
| 2015-09 | 2 |  |  |
| 2015-12 | 3 | loans exceed deposits |  |
| 2016-03 | 2 |  | loans exceed deposits |
| 2016-06 | 3 | construction >100% equity |  |
| 2016-09 | 4 | loans exceed deposits |  |
| 2016-12 | 4 | charge-offs p90 | loans exceed deposits |
| 2017-03 | 3 |  | charge-offs p90 |
| 2017-06 | 4 | charge-offs p90 |  |
| 2017-09 | 3 |  | charge-offs p90 |
| 2017-12 | 6 | loans exceed deposits, deposits shrinking, assets shrinking |  |
| 2018-03 | 3 |  | loans exceed deposits, deposits shrinking, assets shrinking |
| 2018-06 | 4 | loans exceed deposits |  |
| 2018-09 | 3 |  | loans exceed deposits |
| 2018-12 | 3 |  |  |
| 2019-03 | 2 |  | wholesale funding >15% |
| 2019-06 | 2 | charge-offs p90 | construction >100% equity |
| 2019-09 | 2 |  |  |
| 2019-12 | 1 |  | charge-offs p90 |
| 2020-03 | 3 | charge-offs p90, deposits shrinking |  |
| 2020-06 | 1 |  | charge-offs p90, deposits shrinking |
| 2020-09 | 1 | capital falling | brokered >10% |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 1 | loans exceed deposits |  |
| 2021-06 | 1 | capital falling | loans exceed deposits |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 | uninsured deposits leaving | capital falling |
| 2022-06 | 2 | charge-offs p90 |  |
| 2022-09 | 4 | deposits shrinking, assets shrinking |  |
| 2022-12 | 3 |  | charge-offs p90 |
| 2023-03 | 3 | wholesale funding >15%, capital falling | uninsured deposits leaving, assets shrinking |
| 2023-06 | 2 | uninsured deposits leaving | deposits shrinking, wholesale funding >15% |
| 2023-09 | 1 |  | capital falling |
| 2023-12 | 3 | brokered >10%, wholesale funding >15% |  |
| 2024-03 | 5 | capital falling, assets shrinking |  |
| 2024-06 | 2 |  | brokered >10%, capital falling, assets shrinking |
| 2024-09 | 0 |  | uninsured deposits leaving, wholesale funding >15% |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

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

- 2026-01-12 [2025 Credit Union-Bank Acquisition Deals Decline From Record High in 2024 - CUTimes](https://news.google.com/rss/articles/CBMirgFBVV95cUxOZXk2amFNTTN6Tml0YXFNTVUzdTA4OHdYYkpQS2F1VjJ0UE8wYzVCRHRfOG9tOExuN29wcWRYWHJwcjN5Z1dUWDlNVEJFYkp3WlJ4U2dUNHVYbC1yUXloYVR0WjQwVG1kQjhyRUh3MzFxWFdSaXJxSTJZbEdQVnVhMkJ5YkNNOW4zZWluTWstRUF6VnNvZnRVeVVjQVRuVXcxRjZlSTd0ZG5yYzNTTHc?oc=5) · CUTimes
- 2025-07-07 [Banking Industry Outlook: U.S. Banking M&A Activity Mid-Year Review - Lexology](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQUEw3a2s2TVRrM1h1UFloeVZvRTFwSVJHdEpQZTFjYXh6dzRHR3ozcHY1YlB3ekNTcUpCSDQzZ0pfSXJJUzlmWjA3aktRbnJXVHR5UXNRbEtCWm94NS1IWjhGQk9qb2NYVWdrN1ZLejNwVXNUaUVwNExQY1ZheGlHVkQ5bXd2X0dNTU1V?oc=5) · Lexology
- 2025-12-16 [Joel Zemans, real estate developer and Mid Town Bank CEO who helped struggling groups secure loans, dies at 84 - Chicago Tribune](https://news.google.com/rss/articles/CBMigwFBVV95cUxNbV9HMGM1bmdQNkZrRC1TNjk1LWpyRmYzRnlkay1LeU55a1RZOGx5eGZXQ2l2U3NKdDJTOUYyVGJMNW1tT1lVOHV3dXdWZk9CWE1HX3FObmd4RVBJaFdsU0gzaEQyTmc2Y1hJWGl1cG5ONnJjTFB3SDVweFF5QVpfdjl1Yw?oc=5) · Chicago Tribune
- 2022-12-28 [Man gets 63 months for robbing Chicago bank with a note written on a losing lottery ticket - cwbchicago.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxQNGMzYWhBSXlfMmdDbWozcDlqMGdXQS1keVUwQ0VZWV9vcEVYRHgyZ20zX2FVdlotaVBYMDhaQ08wWmt0MV96U24yYkF0MU9qRnhhbkpnbzJIUlJuLWRoRkZGYzEtV2ZYQlppNTRiV1hSYXFxOGpLLWxqNERZLXl1Z3YwOTV4SHlfMXc?oc=5) · cwbchicago.com
- 2023-09-20 [Glenview Trustees Approve Terms Of Ballyhoo Loan, Intercreditor Agreement - Journal & Topics](https://news.google.com/rss/articles/CBMitAFBVV95cUxNcTk2c1dXbUg0MEJ2Vm8xcXFwWmpWeE9DVkYzVkJhaW15S1cxaHFQYVRqM2FWekg4ZXNLTEQ0d2YzR0lvc0U4clZmYmVrdl9LeGg3bzNjUENCc01hWDZmTDc3bkpLMElWYlFSYmNrLXI2NVl0T081cHZNbmZiemVUNi1mT2JPNWd4NmlabDVEb0drVHBERTlEenZ2VE41ZTJSWUc2WWFQc2pOUVpCdXZrYVppRU8?oc=5) · Journal &amp; Topics
- 2020-08-02 [First Women’s Bank, poised to become Chicago’s first bank startup in a decade, aims to tackle the gender gap in lending - Chicago Tribune](https://news.google.com/rss/articles/CBMi7wFBVV95cUxPTm5DbVVhZGpSTGFJN19uNHJaVmtndTJFY1hiekk2ekJyVDZnMVVnUVJPQkwyZG42NGE4MC1vOUpJZlkwVV9vWi1tdUdJc09Nc0hSNkh4VlJTWFpHZmxZNXJMSVViVmNfQk1lUXAwYzhCQnNmRkFsam1zanhmd2t6dFl1X2NyUENrOVZvcWRfdzBDbFh1QTR2OGJJUW1qb0VSNDJwb082ZEUxajVBNkw0SEFWWkZuVEo2aWtIbkxtZE5ZckRrbHJkY2FfbHp5VHBwQlVTdG1YOE9Uc1dGZlFlVXlyanNWLXV2cGduRkdaVQ?oc=5) · Chicago Tribune
- 2024-07-30 [Man gets arrested 2x in one day — while on electronic monitoring for robbery cases - cwbchicago.com](https://news.google.com/rss/articles/CBMitwFBVV95cUxOV1NuMzJ1bEVoaURQYjdTeGl3VFFiVWZ6MS1VZ3c4WGlIbmE3NXM3NEFTRjFEcm1aeFg3c3NFMDZZc0I0MjgxMTVPb1ZWU0VPczV6a2JlWkJSeFVULWw3em0yeExSVGotMjRHUGZsaGNMckdxNDV1ZmFJR1o2X1ZMamtPQVhwQ2kzcUpkR1E0bjBuQ3ppOVhyN0UxWHlmRURvTHVNMVZuc2JHUWxYbGhCTldQcEEzYUE?oc=5) · cwbchicago.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58556 (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/60.json (key "58556", 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