# GOLD COAST BANK
ISLANDIA, NY · FDIC certificate 58654 · asset band $300M-1B · latest filing 2019-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $559.8M | |
| Deposits | $465.0M | |
| Loans and leases | $467.4M | |
| Total equity | $60.4M | |
| Loans / deposits | 99.54% (p85 of band) | 85.34% |
| Liquid assets / assets | 15.67% (p24 of band) | |
| Uninsured deposits / deposits | 37.48% (p86 of band) | 22.41% |
| Brokered deposits | 6.95% | |
| Wholesale funding | 12.30% (p84 of band) | |
| FHLB advances / assets | 5.36% | |
| Tier 1 leverage | 10.51% (p49 of band) | 10.60% |
| Unrealized securities loss / equity | 0.72% (p50 of band) | 0.73% |
| AOCI / equity | 1.73% (p45 of band) | |
| ROA (annualized) | 0.63% (p15 of band) | 1.13% |
| Net interest margin | 2.69% (p7 of band) | 3.74% |
| Efficiency ratio | 68.48% (p58 of band) | |
| Noncurrent loans | 0.60% (p54 of band) | 0.54% |
| Net charge-offs (annualized) | -0.01% (p10 of band) | |
| Reserve coverage of noncurrent | 162.87% | |
| Real estate % of loans | 97% | |
| Construction % of loans | 13.54% (p19 of band) | |
| Auto loans | $19,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | -2.8% | |
| Employees | 45 | |

## 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 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | uninsured deposits >50% |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 2 | wholesale funding >15% |  |
| 2014-09 | 2 | capital falling | wholesale funding >15% |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 1 |  | capital falling |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 3 | capital falling, run vulnerability |  |
| 2017-03 | 3 | brokered >10% | run vulnerability |
| 2017-06 | 3 |  |  |
| 2017-09 | 2 |  | capital falling |
| 2017-12 | 2 | wholesale funding >15% | uninsured deposits >50% |
| 2018-03 | 3 | capital falling |  |
| 2018-06 | 1 | uninsured deposits leaving | brokered >10%, wholesale funding >15%, capital falling |
| 2018-09 | 0 |  | uninsured deposits leaving |
| 2018-12 | 1 | capital falling |  |
| 2019-03 | 2 | brokered >10% |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 0 |  | capital falling, brokered >10% |
| 2019-12 | 0 |  |  |

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

- 2016-06-29 [Gold Coast Bank stock becomes publicly traded - Long Island Business News](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE5zRjhvUjZwQlBzRmZSX2lNVTJyVHJBR0FLTURNWG43TlhsWFZIbUZEa1RySTJyNGFSUGNGclJ1V3ZHUGlqQ1lMQUhvTnJoelZmOHkwNEM1T29rRk8teTJaV2ZscWdxVEE?oc=5) · Long Island Business News
- 2020-04-06 [Investors Bancorp closes $63.6M acquisition of Gold Coast Bancorp - ROI-NJ](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNcExvYUVKVlZvVmZwNExGUFRZTHRwOU5vNUk1WUxyaWtNRjA5MG5mZjM5Q1hETDA5R2dxWGZYTUhDS0lKWEJtMmpKRnpVMFNXeXdWWkFrRmdVVnJEazVjeGhhYVJVOXlWdGhJQ3NVVmdZU3lLUUstbWtEampKbDRGclFyRjUwMVJOUHRfTTVlUFMtYVQwcUdqcGxtMk1BR241bVlqZGUyN1htTXM?oc=5) · ROI-NJ
- 2011-09-03 [Long Island's Gold Coast Bank Expediting Loan Process To Help Storm Victims - CBS News](https://news.google.com/rss/articles/CBMisgFBVV95cUxPMlc4NTNtMllYOWdHNV9VazRqRGNSQk1oWmdOY21NZnd5V0p6RG5BMVJadnVmTkRWUmdoRWJGUFk2akZWVGgtQ3d2YU5wdmFJdFhDNmpPU1pESXB0YUFReFZSUENHUEtzRFZ5X0xjWnlPd1hwQmF4dWlEMlJwUGlqU3ppeGFQODFEbEU5YWNvSkQ1c01ZOURDQjhNcTFLWnJMZjdyVlljRnB5Q1lyQ2ROVER3?oc=5) · CBS News
- 2022-03-08 [Alma Bank Hires John C. Tsunis as Executive VP in Its Private Banking Group - The National Herald](https://news.google.com/rss/articles/CBMirgFBVV95cUxPRTJfbjBFVndLNUV4czVXMV91a1BlMXh4TFliOXlQb2JCekQwb2xLTWRIVU1nR3YxNWhpNERJN2JyTmU3QUxSSGhGSVZwOXlWLU8tN3BYNWpJdkVyNWswNXJqMjRNN05DZ29pbWVkM3BfM0Zia01ONi1NMHROUk5oU1liczFWa01ob2tEUE44b3RSUmJsZU5jYkhNVEt0a2gzREw2WF9KczZ5bmExc0E?oc=5) · The National Herald
- 2018-10-08 [Long Island hires and promotions: Hope Kinney, Gold Coast Bank - newsday.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxNaDRuMm1vRG1mUHlTV2kyNWdyODNwMTlBM3dTUl9Mdl82SUloWTZ2VjJFMHV6Rmk3UXROT0dtc2Q5UHhNT2dIWEJTU19Td3VPQnhWcFVKUEZ6ZXo3dWJkSUV3NnQ3SERSYkl1enpKLU9PYlpxeV9sTGtLdG9pNDVod1pKZGxXUjFzdmJmVF84YUFyeUlQVXByTkdNRDBueGt1dFE?oc=5) · newsday.com
- 2021-07-29 [Citizens Bank jumps into Jersey Shore with Investors Bank purchase - Asbury Park Press](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPTlVvbml1T1l3b1pJLUc0X3JMNlhVQS1zMjNrSW9mOXpYWkdXZ2VoTjNZSUNPcFhqSlZnbk8wLUMyVGs5QU5NYW90a25uVmt6eUUyZkpxOVgxa1p3amVGZkRNYXFKUTRudWl5U0VJcTUzTG1wVl9qaVdkVldFU0xrc19RNmNVZ0I2OXJ5bmMxNHlGMEZid3pkLXRqcnJTZWRxdlJFRFNtUmJXbG5GUlVORXA2VDJpcjZVeEQw?oc=5) · Asbury Park Press
- 2016-08-15 [Gold Coast Bank appoints Catsimatidis’ son to board - The Real Deal](https://news.google.com/rss/articles/CBMimwFBVV95cUxPWFRvUGNQSzhOY24tUTN0aVJrY2pERlJmc1hlNldtWVNCamtiNjU0Q2tkRmg4QnNmRU9MRkhfX3hDWmZnX3ctS3dqRXN0LWFES01QOFVzOGluclBmc1hjZ2Ytd1g4S29RNm9ISHl2aWg5TFhGM2dEd0dvX1dSVnpPODFBU0VjNWpoSE9uWnZDa0sxaFZMQjhtRVluWQ?oc=5) · The Real Deal
- 2016-05-18 [Q&A with James Johnis and John Tsunis - Long Island Business News](https://news.google.com/rss/articles/CBMic0FVX3lxTE9MQWtfeEJYLVlkSTY5WHZna3pzdnEyU0N1QkpYLWNUSG5MeEIxNE80TU9YR0NUY3NRLU9VWGRZOHNFYmtBRDhodHREdlpnQ0ZnMS13ZkhxWnBUeW1BWTQyLWVCLUExN0tLNW04bHVYd2Z1bXM?oc=5) · Long Island Business News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58654 (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/30.json (key "58654", 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