Gulf Coast Bank and Trust Company: how it compares with its peers
Against 425 U.S. banks with half to twice its assets, Gulf Coast Bank and Trust Company's strongest measure in Q2 2026 is net interest margin (7.03% vs. a 3.67% peer median). Its weakest relative measure is assets per employee ($4.2M vs. $9.3M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.11% | 1.28% | Middle third Ahead of 35% of peers |
| Net interest margin Annualized net interest income over earning assets. | 7.03% | 3.67% | Top third Ahead of 98% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 71.52% | 57.85% | Bottom third Ahead of 14% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.2M | $9.3M | Bottom third Ahead of 1% of peers |
| Loans to deposits Net loans and leases over total deposits. | 83.69% | 88.77% | Context |
What it means for lending operations
Its efficiency ratio of 71.52% is above the 57.85% 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
- Bank of Marin Novato, CA · $3.86B
- Security Bank of Kansas City Kansas City, KS · $3.86B
- Investar Bank, National Association Baton Rouge, LA · $3.85B
- Capital Bank, National Association Rockville, MD · $3.84B
- Carrollton Bank Carrollton, IL · $3.88B
- Independence Bank of Kentucky Owensboro, KY · $3.83B
Questions about Gulf Coast Bank and Trust Company
How big is Gulf Coast Bank and Trust Company?
Gulf Coast Bank and Trust Company, established in 1990, is headquartered in New Orleans, LA. It reported $3.86B in total assets in its Q2 2026 FDIC call report and operates 40 offices.
What is Gulf Coast Bank and Trust Company's return on assets?
1.11% annualized in Q2 2026, against a 1.28% median for 425 U.S. banks with half to twice its assets, ahead of 35% of them.
What is Gulf Coast Bank and Trust Company's efficiency ratio?
71.52% in Q2 2026: it spent about 72 cents in noninterest expense for each dollar of revenue. The peer median is 57.85%, and lower is better.
Is Gulf Coast Bank and Trust Company growing its loans?
Net loans grew 11.5% over the year to Q2 2026, while deposits grew 7.4%.
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 U.S. 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.