Gulf Coast Bank: how it compares with its peers
Against 44 LA banks with half to twice its assets, Gulf Coast Bank's strongest measure in Q2 2026 is net interest margin (5.03% vs. a 4.31% peer median). Its weakest relative measure is assets per employee ($4.2M vs. $6.0M).
| Measure | Gulf Coast Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.25% | 1.44% | Middle third Ahead of 41% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.03% | 4.31% | Top third Ahead of 91% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 71.16% | 64.06% | Bottom third Ahead of 25% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.2M | $6.0M | Bottom third Ahead of 5% of peers |
| Loans to deposits Net loans and leases over total deposits. | 65.49% | 82.02% | Context |
What it means for lending operations
Its efficiency ratio of 71.16% is above the 64.06% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Fifth District Savings Bank New Orleans, LA · $532M
- Rayne State Bank & Trust Company Rayne, LA · $541M
- Merchants & Farmers Bank & Trust Company Leesville, LA · $541M
- Citizens Bank & Trust Company Plaquemine, LA · $481M
- Louisiana National Bank Ruston, LA · $474M
- The Bank Jennings, LA · $462M
Questions about Gulf Coast Bank
How big is Gulf Coast Bank?
Gulf Coast Bank, established in 1971, is headquartered in Abbeville, LA. It reported $514M in total assets in its Q2 2026 FDIC call report and operates 9 offices.
What is Gulf Coast Bank's return on assets?
1.25% annualized in Q2 2026, against a 1.44% median for 44 LA banks with half to twice its assets, ahead of 41% of them.
What is Gulf Coast Bank's efficiency ratio?
71.16% in Q2 2026: it spent about 71 cents in noninterest expense for each dollar of revenue. The peer median is 64.06%, and lower is better.
Is Gulf Coast Bank growing its loans?
Net loans shrank 1.3% over the year to Q2 2026, while deposits grew 2.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are LA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Louisiana bank ranked.