BlastPoint's Banking Scorecard
Gulf Coast Bank
Micro
Specialty: Commercial
LA
FDIC cert 20353
Designations: ✓ Community bank
Abbeville, LA
2498
banks in Micro tier nationally
66 in LA
View Micro leaderboard (LA) →
Gulf Coast Bank demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.13% above tier
- + Non-Interest-Bearing Deposit Share 24.78% above tier
- + Non-Interest Income / Assets 0.54% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$498.2M
+0.6% YoY
-0.6% QoQ
|
+$280.7M |
$217.5M
+2.3% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
Top 1% in tier |
| Total Loans ? |
$291.0M
-1.6% YoY
-2.0% QoQ
|
+$151.8M |
$139.2M
+2.8% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
Top 9% in tier |
| Total Deposits ? |
$426.5M
-1.7% YoY
-1.1% QoQ
|
+$242.8M |
$183.7M
+1.8% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
Top 1% in tier |
| Return on Assets ? |
1.40%
+20.0% YoY
+2.8% QoQ
|
+0.31% |
1.08%
+14.7% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
70% |
| Net Interest Margin ? |
4.98%
+10.4% YoY
+0.1% QoQ
|
+1.13% |
3.85%
+6.6% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
Top 10% in tier |
| Efficiency Ratio ? |
69.01%
-1.5% YoY
+1.3% QoQ
|
+1.28% |
67.73%
-4.8% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
42% |
| Delinquency Rate ? |
1.43%
+59.5% YoY
+47.5% QoQ
|
+0.79% |
0.64%
+24.4% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
68.24%
+0.1% YoY
-0.9% QoQ
|
-6.29% |
74.53%
+0.5% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
65% |
| Non-Interest-Bearing Deposit Share ? |
47.17%
+1.6% YoY
+0.8% QoQ
|
+24.78% |
22.39%
-1.3% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
Top 3% in tier |
| Nonperforming Asset Ratio ? |
0.92%
+43.5% YoY
+36.4% QoQ
|
+0.47% |
0.45%
+25.1% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
21% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
8.68%
-5.6% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
1.10%
+0.6% YoY
+30.9% QoQ
|
+0.54% |
0.56%
+0.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
Top 7% in tier |
Signature Analysis
Strengths (3)
Net Interest Margin
metric
Top 10%
in Micro
Why this stands out
Current:
4.98%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Top 3%
in Micro
Why this stands out
Current:
47.17%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Top 7%
in Micro
Why this stands out
Current:
1.10%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Total Assets
Current: $498.2M · Tier avg: $217.5M
99
99th pctile
Total Deposits
Current: $426.5M · Tier avg: $183.7M
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 47.17% · Tier avg: 22.39%
93
93th pctile
Non-Interest Income / Assets
Current: 1.10% · Tier avg: 0.56%
91
91th pctile
Total Loans
Current: $291.0M · Tier avg: $139.2M
90
90th pctile
Net Interest Margin
Current: 4.98% · Tier avg: 3.85%
70
70th pctile
Return on Assets
Current: 1.40% · Tier avg: 1.08%
65
65th pctile
Loan-to-Deposit Ratio
Current: 68.24% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
42
42th pctile
Efficiency Ratio
Current: 69.01% · Tier avg: 67.73%
21
21th pctile
Nonperforming Asset Ratio
Current: 0.92% · Tier avg: 0.45%
20
20th pctile
Delinquency Rate
Current: 1.43% · Tier avg: 0.64%
Top Weaknesses
20
20th pctile
Delinquency Rate
Current: 1.43% · Tier avg: 0.64%
21
21th pctile
Nonperforming Asset Ratio
Current: 0.92% · Tier avg: 0.45%
42
42th pctile
Efficiency Ratio
Current: 69.01% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
65
65th pctile
Loan-to-Deposit Ratio
Current: 68.24% · Tier avg: 74.53%
70
70th pctile
Return on Assets
Current: 1.40% · Tier avg: 1.08%
90
90th pctile
Net Interest Margin
Current: 4.98% · Tier avg: 3.85%
91
91th pctile
Total Loans
Current: $291.0M · Tier avg: $139.2M
93
93th pctile
Non-Interest Income / Assets
Current: 1.10% · Tier avg: 0.56%
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 47.17% · Tier avg: 22.39%
99
99th pctile
Total Deposits
Current: $426.5M · Tier avg: $183.7M
100
100th pctile
Total Assets
Current: $498.2M · Tier avg: $217.5M