Gulf Coast Business Bank: how it compares with its peers
Against 23 FL banks with half to twice its assets, Gulf Coast Business Bank's strongest measure in Q2 2026 is net interest margin (4.22% vs. a 3.77% peer median). Its weakest relative measure is return on assets (0.37% vs. 0.85%).
| Measure | Gulf Coast Business Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.37% | 0.85% | Bottom third Ahead of 9% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.22% | 3.77% | Top third Ahead of 70% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 85.88% | 69.32% | Bottom third Ahead of 13% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.9M | $7.1M | Middle third Ahead of 48% of peers |
| Loans to deposits Net loans and leases over total deposits. | 97.29% | 70.94% | Context |
What it means for lending operations
Its efficiency ratio of 85.88% is above the 69.32% 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
- Commerce Bank & Trust Winter Park, FL · $198M
- The Warrington Bank Pensacola, FL · $174M
- Madison County Community Bank Madison, FL · $212M
- Bank of Belle Glade Belle Glade, FL · $160M
- Surety Bank Deland, FL · $214M
- PNB Community Bank Niceville, FL · $155M
Questions about Gulf Coast Business Bank
How big is Gulf Coast Business Bank?
Gulf Coast Business Bank, established in 2022, is headquartered in Fort Myers, FL. It reported $187M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Gulf Coast Business Bank's return on assets?
0.37% annualized in Q2 2026, against a 0.85% median for 23 FL banks with half to twice its assets, ahead of 9% of them.
What is Gulf Coast Business Bank's efficiency ratio?
85.88% in Q2 2026: it spent about 86 cents in noninterest expense for each dollar of revenue. The peer median is 69.32%, and lower is better.
Is Gulf Coast Business Bank growing its loans?
Net loans grew 31.2% over the year to Q2 2026, while deposits grew 26.3%.
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 FL 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 Florida bank ranked.