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Gulf Coast Bank and Trust Company
New Orleans, LA·FDIC Cert #32974·Charter: STATE·Est. 19900608.0
Total Assets
$3.6B
Q4 2025
Return on Assets
1.15%
-0.08%Peer avg: 1.25%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
71.16%
Peer avg: 57.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
54
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.15%-0.08
ROE
13.84%-1.05
Efficiency
71.16%+1.04
Equity/Assets
0.00%+0.00
NPL Ratio
1.38%-0.40
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
80.44%-1.65
Charge-offs
0.86%+0.25
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.4 | 0.4 | 0.5 | 0.2 | 1.2 | 1.3 | 1.2 | 1.2 |
| ROE | 4.3 | 4.9 | 6.5 | 2.8 | 14.6 | 16.0 | 14.9 | 13.8 |
| Efficiency | 73.9 | 72.9 | 74.0 | 73.6 | 73.4 | 71.3 | 70.1 | 71.2 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 2.1 | 2.1 | 2.9 | 2.3 | 2.5 | 2.4 | 1.8 | 1.4 |
| Charge-offs | 0.4 | 0.8 | 0.8 | 1.7 | 0.3 | 0.4 | 0.6 | 0.9 |
| Loan/Deposit | 81.3 | 82.4 | 82.6 | 80.5 | 80.4 | 80.6 | 82.1 | 80.4 |
Balance Sheet
Total Assets$3.6B
Total Deposits$3.2B
Total Loans$2.5B
Total Equity$311.0M
Profitability
ROA1.15%
ROE13.84%
Efficiency Ratio71.16%
Net Income$40.2M
Risk & Asset Quality
NPL Ratio1.38%
Charge-off Rate0.86%
Loan/Deposit80.44%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans