FDIC Cert #20353 · Abbeville, Louisiana · Est. 1971

Gulf Coast Bank - FDIC Bank Health Profile

A community-scale look at Gulf Coast Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$498M
Total assets
A
Health grade · Excellent
1.40%
Return on assets
15.4%
Tier 1 capital

Data updated July 2026

The verdict

Gulf Coast Bank earns a PlainBankData health grade of A (84/100), with well-capitalized at 15.38% Tier 1, profitable at 1.40% ROA, 69% efficiency ratio.

#1,787
largest of 4,313 FDIC banks by assets
59th
percentile by asset size, nationally
15.38%
Tier 1 ratio - above the 10% well-capitalized line
69th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 20353 · LA A · 84/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (84/100)
  • MID-PACK #1440/4307
  • PHOTO-FINISH State Bank of Whitti… · IL
  • TIER1-WELL 15.4% Tier 1
  • TEXAS-CLEAN 5.9% Texas
  • ROA-STRONG 1.40% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Louisiana: State Bank of Whittington, IL (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Gulf Coast Bank

Lowest and highest poles plus nearest scored peers outside Louisiana, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Gulf Coast Bank · LA · this …84/100Park State Bank & Tr… · CO ·…84/100Skowhegan Savings Bank · ME …84/100State Bank of Whitti… · IL ·…84/100The Citizens Bank of… · WV ·…84/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Gulf Coast Bank · July 2026

What Gulf Coast Bank's Call Report plate shows

Gulf Coast Bank (FDIC Cert #20353) carries a PlainBankData health grade of A at 84/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,440 of 4,307. Tier 1 capital prints at 15.38%, clearing the 10% well-capitalized line. The Texas Ratio is 5.92%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.40%. Balance-sheet scale is $498M, 1,787th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is State Bank of Whittington (IL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Gulf Coast Bank

4 FAILURE resolutions in Louisiana since 2000 (3 since 2008)

Gulf Coast Bank's home state sits in the middle band of post-2000 FAILURE counts (4; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Gulf Coast Bank remains an active FDIC-insured reporter.

  • FIRST NBC BANK NEW ORLEANS, LA 2017 → WHITNEY BANK
  • CENTRAL PROGRESSIVE BANK LACOMBE, LA 2011 → FIRST NBC BANK
  • STATEWIDE BANK COVINGTON, LA 2010 → HOME BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Louisiana banks.

How Gulf Coast Bank's 84/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10084/100
Gulf Coast Bank's composite health score
Tier 1 Capital Ratio (15.38%) 40/40
Return on Assets (ROA) (1.40%) 20/25
Texas Ratio (5.92%) 16/20
Efficiency Ratio (69.01%) 8/15

84 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$498M

Total balance-sheet footings

Total Deposits

$426M

Customer-funded liabilities

Net Loans

$291M

Outstanding loan book

Net Income

$7M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 13.98% 15.38% 16.78%
Basel III capital ratios - Gulf Coast Bank

Where Gulf Coast Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Gulf Coast Bank's score of 84/100 falls in the highlighted band.

Gulf Coast Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

84 Top 33% higher than 67% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Gulf Coast Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Gulf Coast Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Gulf Coast Bank's $498M falls in the highlighted band.

Safety ratios for Gulf Coast Bank

Tier 1 capital ratio
Well-capitalized 10%

15.38% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
15.38%
Texas Ratio
5.92%
Equity Capital
$67M

What these ratios mean →

Earnings posture at Gulf Coast Bank

Return on Assets (ROA)
69th percentile nationally
1.40%
Return on Equity (ROE)
11.21%
Efficiency Ratio
69.01%

What these mean →

Income & expense at Gulf Coast Bank

$26M
Interest Income
$5M
Non-Interest Income
$19M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Gulf Coast Bank reports a Texas Ratio of 5.92% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

5.92% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Gulf Coast Bank on FDIC BankFind →

Top banks in Louisiana by total assets

Largest banks headquartered in Louisiana
  1. 1
    Origin Bank $9.6B

    Choudrant, LA · Grade B

  2. 2
    b1BANK $8.2B

    Baton Rouge, LA · Grade A

  3. 3
    First Guaranty Bank $4.1B

    Hammond, LA · Grade C

  4. 4
    Gulf Coast Bank and Trust Company $3.6B

    New Orleans, LA · Grade B

  5. 5
    Home Bank $3.5B

    Lafayette, LA · Grade A

Top 5 banks in Louisiana ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($498M here), outside Louisiana so the neighborhood is not state containment.

Eagle Bank and Trust Company $498M · AR Citizens State Bank $498M · IL The Callaway Bank $498M · MO LifeStore Bank $497M · NC

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Gulf Coast Bank (FDIC Cert #20353) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Gulf Coast Bank Call Report profile · FDIC Failed Bank List · Louisiana FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Louisiana

All Louisiana banks →
BankAssetsGradeROA
Origin BankChoudrant $9.6B B 0.76%
b1BANKBaton Rouge $8.2B A 1.23%
First Guaranty BankHammond $4.1B C -1.33%
Gulf Coast Bank and Trust CompanyNew Orleans $3.6B B 1.15%
Home Bank, National AssociationLafayette $3.5B A 1.41%
Red River BankAlexandria $3.3B A 1.36%
Investar Bank, National AssociationBaton Rouge $2.8B B 0.89%
Bonvenu Bank, National AssociationBossier City $1.6B B 0.54%