BlastPoint's Banking Scorecard
Gulf Coast Bank and Trust Company
Community
Specialty: Commercial
LA
FDIC cert 32974
New Orleans, LA
1484
banks in Community tier nationally
37 in LA
View Community leaderboard (LA) →
Gulf Coast Bank and Trust Company shows strong momentum with 2 strengths and 7.7% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 41% in Community
- + Net Interest Margin 3.52% 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 ? |
$3.6B
+7.7% YoY
+3.6% QoQ
|
+$2.2B |
$1.4B
+2.0% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
Top 5% in tier |
| Total Loans ? |
$2.5B
+7.5% YoY
+1.3% QoQ
|
+$1.6B |
$975.5M
+2.4% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
Top 5% in tier |
| Total Deposits ? |
$3.2B
+7.6% YoY
+3.4% QoQ
|
+$2.0B |
$1.2B
+1.7% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
Top 4% in tier |
| Return on Assets ? |
1.15%
+402.1% YoY
-6.3% QoQ
|
-0.01% |
1.16%
+17.2% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
52% |
| Net Interest Margin ? |
7.19%
-0.3% YoY
-0.1% QoQ
|
+3.52% |
3.66%
+9.1% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
Top 1% in tier |
| Efficiency Ratio ? |
71.16%
-3.3% YoY
+1.5% QoQ
|
+8.52% |
62.63%
-5.3% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
24% |
| Delinquency Rate ? |
1.38%
-38.8% YoY
-22.4% QoQ
|
+0.75% |
0.63%
+18.3% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
80.44%
-0.1% YoY
-2.0% QoQ
|
-2.62% |
83.06%
+0.3% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
19.21%
-2.7% YoY
-7.6% QoQ
|
-1.84% |
21.05%
-0.9% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
45% |
| Nonperforming Asset Ratio ? |
1.02%
-36.0% YoY
-20.6% QoQ
|
+0.52% |
0.50%
+20.3% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
20% |
| Tier 1 Capital Ratio ? |
12.16%
+17.3% YoY
+2.8% QoQ
|
+1.91% |
10.24%
-0.6% YoY
|
8.68%
-5.6% YoY
|
9.75%
-1.9% YoY
|
49% |
| Non-Interest Income / Assets ? |
1.36%
+5.1% YoY
+25.6% QoQ
|
+0.62% |
0.74%
-1.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
Top 8% in tier |
Signature Analysis
Strengths (2)
Revenue Diversifier
growth
#151 of 371 · Top 41% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.36%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.15%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank declining
Net Interest Margin
metric
Top 1%
in Community
Why this stands out
Current:
7.19%
(Tier avg: 3.66%, National avg: 3.75%)
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
Net Interest Margin
Current: 7.19% · Tier avg: 3.66%
96
96th pctile
Total Deposits
Current: $3.2B · Tier avg: $1.2B
95
95th pctile
Total Assets
Current: $3.6B · Tier avg: $1.4B
95
95th pctile
Total Loans
Current: $2.5B · Tier avg: $975.5M
92
92th pctile
Non-Interest Income / Assets
Current: 1.36% · Tier avg: 0.74%
52
52th pctile
Return on Assets
Current: 1.15% · Tier avg: 1.16%
49
49th pctile
Tier 1 Capital Ratio
Current: 12.16% · Tier avg: 10.24%
45
45th pctile
Non-Interest-Bearing Deposit Share
Current: 19.21% · Tier avg: 21.05%
39
39th pctile
Loan-to-Deposit Ratio
Current: 80.44% · Tier avg: 83.06%
24
24th pctile
Efficiency Ratio
Current: 71.16% · Tier avg: 62.63%
20
20th pctile
Nonperforming Asset Ratio
Current: 1.02% · Tier avg: 0.50%
18
18th pctile
Delinquency Rate
Current: 1.38% · Tier avg: 0.63%
Top Weaknesses
18
18th pctile
Delinquency Rate
Current: 1.38% · Tier avg: 0.63%
20
20th pctile
Nonperforming Asset Ratio
Current: 1.02% · Tier avg: 0.50%
24
24th pctile
Efficiency Ratio
Current: 71.16% · Tier avg: 62.63%
39
39th pctile
Loan-to-Deposit Ratio
Current: 80.44% · Tier avg: 83.06%
45
45th pctile
Non-Interest-Bearing Deposit Share
Current: 19.21% · Tier avg: 21.05%
49
49th pctile
Tier 1 Capital Ratio
Current: 12.16% · Tier avg: 10.24%
52
52th pctile
Return on Assets
Current: 1.15% · Tier avg: 1.16%
92
92th pctile
Non-Interest Income / Assets
Current: 1.36% · Tier avg: 0.74%
95
95th pctile
Total Loans
Current: $2.5B · Tier avg: $975.5M
95
95th pctile
Total Assets
Current: $3.6B · Tier avg: $1.4B
96
96th pctile
Total Deposits
Current: $3.2B · Tier avg: $1.2B
100
100th pctile
Net Interest Margin
Current: 7.19% · Tier avg: 3.66%