| Metric | Gold Coast Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +4.4% | -1.8 pts |
| Deposit growth (YoY) | +2.6% | +4.0% | -1.4 pts |
| Loan growth (YoY) | -8.7% | +5.6% | -14.3 pts |
| ROA | 1.24% | 1.24% | -0.0 pts |
| ROE | 8.4% | 11.9% | -3.5 pts |
ROA ranks in the 50th percentile of its peer group · Q1 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $463.1M | $366.4M | $310.4M | $68.5M | $1.4M | 1.24% | 3.14% | 0.75% |
| Q4 2025 | $459.6M | $363.4M | $313.0M | $67.1M | $6.3M | 1.37% | 3.60% | 0.71% |
| Q3 2025 | $451.8M | $354.6M | $322.5M | $65.6M | $4.8M | 1.41% | 3.66% | 0.73% |
| Q2 2025 | $452.9M | $356.9M | $328.8M | $63.9M | $3.1M | 1.37% | 3.60% | 0.52% |
| Q1 2025 | $451.4M | $357.1M | $340.1M | $62.3M | $1.5M | 1.32% | 3.49% | 0.39% |
| Q4 2024 | $464.0M | $368.3M | $341.5M | $60.8M | $6.6M | 1.44% | 3.74% | 0.40% |
| Q3 2024 | $462.1M | $367.1M | $333.6M | $59.4M | $5.2M | 1.54% | 3.80% | 0.78% |
Loan mix (Q1 2026): real estate $305.5M · commercial $17.0M · consumer $1.6M · securities $0
| Ratio | Gold Coast Bank | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.24% | 1.24% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 8.4% | 11.9% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.14% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.7% | 62.9% | 41th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Gold Coast Bank | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Gold Coast Bank | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Gold Coast Bank | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Gold Coast Bank | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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