Gulf Coast Business Bank
Total assets
$186.6M
▲ +25.9% YoY
Deposits
$160.3M
▲ +26.3% YoY
Loans
$155.9M
▲ +31.2% YoY
Offices
1
ROA (annualized)
0.37%
peers 1.24%
ROE (annualized)
2.74%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +25.9% | +4.4% | +21.6 pts |
| Deposit growth (YoY) | +26.3% | +4.0% | +22.3 pts |
| Loan growth (YoY) | +31.2% | +5.6% | +25.6 pts |
| ROA | 0.37% | 1.24% | -0.9 pts |
| ROE | 2.7% | 11.9% | -9.1 pts |
ROA ranks in the 10th percentile of its peer group · Q2 2026
Profile
- Established
- 2022
- Charter
- State
- Primary regulator
- FDIC
- Specialization
- Commercial Lending Specialization
- Address
- 12205 Metro Pkwy, Fort Myers, FL, 33966
- County
- Lee
- Metro area
- Cape Coral-Fort Myers, FL
- Offices
- 1
- FDIC cert #
- 59281
- RSSD ID
- 5724226
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $186.6M | $160.3M | $155.9M | $25.6M | $349K | 0.37% | 4.22% | 0.00% |
| Q1 2026 | $192.2M | $166.1M | $149.4M | $25.5M | $257K | 0.55% | 4.32% | 0.00% |
| Q4 2025 | $181.1M | $154.8M | $148.2M | $25.3M | $940K | 0.65% | 4.10% | 2.21% |
| Q3 2025 | $154.9M | $130.3M | $128.7M | $23.6M | $-689K | -0.67% | 4.27% | 0.00% |
| Q2 2025 | $148.1M | $126.9M | $118.9M | $20.2M | $-712K | -1.09% | 4.10% | 0.00% |
| Q1 2025 | $130.3M | $113.2M | $100.2M | $16.3M | $-486K | -1.61% | 4.01% | 0.00% |
| Q4 2024 | $111.7M | $94.3M | $86.3M | $16.4M | $-2.2M | -2.31% | 4.22% | 0.00% |
| Q3 2024 | $102.8M | $84.7M | $73.7M | $16.9M | $-1.8M | -2.65% | 4.28% | 0.00% |
Loan mix (Q2 2026): real estate $128.5M · commercial $27.1M · consumer $0 · securities $5.1M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Gulf Coast Business Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.37% | 1.24% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | 2.7% | 11.9% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.22% | 3.96% | 65th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.9% | 62.9% | 91th | |
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% |
Balance sheet
| Ratio | Gulf Coast Business 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% |
Capital
| Ratio | Gulf Coast Business 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% |
Credit quality
| Ratio | Gulf Coast Business 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% |
Franchise
| Ratio | Gulf Coast Business Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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