No peer data.
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $513.7M | $444.1M | $290.9M | $64.9M | $3.2M | 1.25% | 5.03% | 0.36% |
| Q1 2026 | $516.3M | $444.3M | $291.6M | $67.4M | $1.6M | 1.25% | 4.94% | 0.83% |
| Q4 2025 | $498.2M | $426.5M | $291.0M | $66.8M | $7.0M | 1.40% | 4.98% | 0.92% |
| Q3 2025 | $501.3M | $431.2M | $297.0M | $65.4M | $5.1M | 1.36% | 4.98% | 0.67% |
| Q2 2025 | $498.7M | $432.4M | $294.9M | $62.1M | $3.1M | 1.26% | 4.92% | 0.52% |
| Q1 2025 | $501.4M | $437.4M | $295.2M | $59.9M | $1.4M | 1.10% | 4.79% | 0.71% |
| Q4 2024 | $495.1M | $434.0M | $295.8M | $56.4M | $5.8M | 1.16% | 4.51% | 0.64% |
| Q3 2024 | $492.9M | $427.6M | $299.6M | $60.7M | $4.2M | 1.12% | 4.46% | 0.52% |
Loan mix (Q2 2026): real estate $237.8M · commercial $38.6M · consumer $15.4M · securities $159.4M
| Ratio | Gulf Coast Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.25% | 1.28% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 9.6% | 12.4% | 31th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.03% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.2% | 61.2% | 77th |
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 | Gulf Coast Bank | Trend (8q) | 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 | Gulf Coast Bank | Trend (8q) | 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 | Gulf Coast Bank | Trend (8q) | 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 | Gulf Coast Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.