# GULF COAST BUSINESS BANK
FORT MYERS, FL · FDIC certificate 59281 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $186.6M | |
| Deposits | $160.3M | |
| Loans and leases | $158.0M | |
| Total equity | $25.6M | |
| Loans / deposits | 97.29% (p89 of band) | 73.59% |
| Liquid assets / assets | 13.90% (p9 of band) | |
| Uninsured deposits / deposits | 38.31% (p91 of band) | 19.81% |
| Brokered deposits | 9.80% | |
| Wholesale funding | 9.80% (p84 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.53% (p58 of band) | 11.76% |
| Unrealized securities loss / equity | -0.62% (p81 of band) | -6.57% |
| AOCI / equity | -0.23% (p57 of band) | |
| ROA (annualized) | 0.37% (p14 of band) | 1.17% |
| Net interest margin | 4.22% (p65 of band) | 3.93% |
| Efficiency ratio | 85.88% (p86 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 81% | |
| Construction % of loans | 63.69% (p86 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 26.3% | |
| Employees | 27 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2022-06 | 3 | losing money, expense ratio p90, NIM <2.5% |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 4 | capital falling |  |
| 2023-03 | 3 |  | NIM <2.5% |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 4 | construction >100% equity |  |
| 2024-06 | 3 |  | construction >100% equity |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 3 | brokered >10% | capital falling |
| 2025-09 | 4 | wholesale funding >15% |  |
| 2025-12 | 5 | noncurrent p90, reserve under noncurrent | losing money |
| 2026-03 | 2 | capital falling | expense ratio p90, wholesale funding >15%, noncurrent p90, reserve under noncurrent |
| 2026-06 | 1 |  | brokered >10% |

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

- 2026-06-04 [The Best Places to Work in SWFL earn top employee praise - Gulfshore Business](https://news.google.com/rss/articles/CBMi9AFBVV95cUxQV0hyZVpsNUNjTmNUWHhaQi1NblhaNUdXb09UNm9FYUNORTBfZFh0X0ZuTk1KM3BERXBlUEJYMUZKV0pLV0FHekdZY1pGcGRyZ0FqYzRnblJKb1JlT1ZwNGR4cVdOV3hsR3d0MTRUOTJ3c2JZQ3Q2Q01oVjFpNjdDZUZ1RjJia2tEU2swbmtXd2NsWnNneVRzVDNhRjU3VlV5N2VrYUNmTFJHX2I4ZEN4SXpwMHdWb0JqSmtpUHBvZVRCRU1kenV2eDl5d21aMEd0TG96R2FMVExpV2MzbHRFby1JZEQ0X3dpR1ZITW1ESnFpRUxy?oc=5) · Gulfshore Business
- 2022-04-13 [New Southwest Florida bank raises required capital, plans for opening in June - Naples Daily News](https://news.google.com/rss/articles/CBMi8gFBVV95cUxQbFpndVB2OTkxLTY4WkgyNEp3bndQVFlDc0c0RVVmNzdzc0dnUkdNZHlkd0gyVVdKeUgxRWRWb3diUFp6LXNBYnR5SDVBM3N2amZ4OWRKTkl3cUx1UjBMWEdpMVpYY1R5LXFxTzMtc1RWNElsSjZWV0hjRXZOeDVBamtFR0Itak1RRVU3ZnF3Z3R6ZU5sdkkxMV9yVDRIOUNQRG5ySVhVdFd2eE9Ob2xHOXhpTFVLN0ZqVEszVWxLekJCSWUzaXdPVEh5V1p4cHhHMU9TWW4ycDN6Y3M5d2hwRFAycVFmZHc1WlJxTWJCeUtmdw?oc=5) · Naples Daily News
- 2022-06-16 [Gulf Coast Business Bank is Southwest Florida's first new community bank in 12 years - The News-Press](https://news.google.com/rss/articles/CBMi3gFBVV95cUxNT0tjQlVQbnQtTnAzaUNUNDFQUjFsRDRPWlRPaDYxcV9FVmNrYUw1dDkxVXlxdXl4cVFiR3FtSnMzaFdkWVlsbW02ZE1KSkl5VFZSOXNRdWdOUUpxQVVyQ3RzLTVaNGZqdjFReUdMUVBoZW5xWWxNbF96UWFqNjdwZGU3Ml9LZFRIb01xV2MyNGNvNC1LVU5RTEVrOVZQVzdidXJkOEp3Q3FNWGFhSzVXdE1VdW0wYlRHWUplUWV5YVI5bkN5NVBvUVYtb3dKTzBSdi16YmlpZUhVMVBMcFE?oc=5) · The News-Press
- 2023-06-01 [A pair of branches yields a mother lode of deposits for Florida bank - American Banker](https://news.google.com/rss/articles/CBMipgFBVV95cUxNTHdwakxmT2s0Rll6RkFuT2VrcmtqZWJFbEdqUnM5NF9YeUplT2E2NVZvbExPaHNtR0pkN21xUHpPVllqU0poV0NCYUpkVzVKMGZLNUZQM0J1WlcxNXJMUDd3ZXRKR3o1U2JacVh6Uk9rOVZHRGcydWtsSGFhX2laVG9UcHA3U01weThJOGd4UVFuX2Rwbk1RNlZ0d0Z2VXVSbnl6ZERn?oc=5) · American Banker
- 2025-10-27 [Industry Appreciation Awards announces 2025 winners - Priority Marketing](https://news.google.com/rss/articles/CBMiigFBVV95cUxOWkhNZkxPOUhmOUZfRlFUUjFZV0pHQTVGMTFIVVlMYk5NQXdMRDZmczlCMlBCdGgzNlpzeHZldmpqZnpTTnlFamZPcU1jSThxbndlNFYwNnpJRzVaSUdLVXk3ek11YUxyM2Z4NFhQSFg4cGk5Z0NjTWlZVzU4N0x2T19ZSFM4dmNOa1E?oc=5) · Priority Marketing
- 2021-12-15 [Gulf Coast Business Bank gets regulatory approval, moves ahead with raising capital - The News-Press](https://news.google.com/rss/articles/CBMiyAFBVV95cUxNcTJJUnFRVHBLU1ROaDBDc0JuWkJ1N2RqTEdDQlVJVzBOd3M4cmFJZFh4MTVDU3duakpkQWFka2VaZzRmTmtqOFhqbl9BSkJrVEN5VnljY0hjc0MxU0Qta2RDckJhcDNwYVpCQTc5SHlCQ01HSnh5T3g0MUh5RXFEa0tIUHJyUHo2LV9rdUFiSXEyaFZkOW92REpxQzZiZFdscTRBcWZsN3d5b3B3ekFoRUdPZmV5SjFJdkhrTElrYVB6NVMxZC1Jdw?oc=5) · The News-Press
- 2021-09-16 [Pair of startup banks in region raise $65 million to attack market - Business Observer](https://news.google.com/rss/articles/CBMiwgFBVV95cUxNazlNckRmRHB6OVpJcEk1ekxkOXF4bDUzUVZHSnF1VzV4ZWNseWRfcDNwWEVQa2RnejctS2J3VjRqQVhPeVdHUUFMa1dpTldJV0NJWXUxVFVLVjZKMW1oemU2eGYxbHoxbGxkXzdfNFJrRnFET29wZU9XN0ljWkM5R1VqWVBaSHVLTDNlcEVCd3h5d21vTG56LUh4QnNManNPRmRVaGVyZTF2WkE2VEZCTXN2V2lvMEFPUFFjZ0s2WFR1QQ?oc=5) · Business Observer
- 2021-09-09 [New local bank in the works for Southwest Florida, the first in more than a decade - The News-Press](https://news.google.com/rss/articles/CBMipwFBVV95cUxQV00yME5PeHhfSk1hcU8tbGpIdkZsYXR3aVNaLWJicE1aWG9mVDFkWFAxalBBMi1icWRteFp2VXRabUNsVElvRGNIZlF1d0JHUko5bVhMZ05XNG1Gd1ZEamd5NHc2bnp1NmROaFVRcEdlYk9udjJHVl90NEU1Y05vbFBjSmZnZVJrT2J1RFJtRzZuV05KYjBwVjJJV3UtUld4MWdSQmxINA?oc=5) · The News-Press

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=59281 (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/17.json (key "59281", 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