BlastPoint's Banking Scorecard
Gold Coast Bank
Micro
Specialty: Commercial
IL
FDIC cert 58556
Designations: ✓ Community bank
Chicago, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Gold Coast Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 17.43% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$459.6M
-0.9% YoY
+1.7% QoQ
|
+$242.1M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Top 5% in tier |
| Total Loans ? |
$313.0M
-8.3% YoY
-2.9% QoQ
|
+$173.8M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Top 6% in tier |
| Total Deposits ? |
$363.4M
-1.3% YoY
+2.5% QoQ
|
+$179.8M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Top 8% in tier |
| Return on Assets ? |
1.37%
-4.6% YoY
-2.6% QoQ
|
+0.29% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
69% |
| Net Interest Margin ? |
3.60%
-3.6% YoY
-1.5% QoQ
|
-0.25% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
39% |
| Efficiency Ratio ? |
57.92%
+3.0% YoY
+1.6% QoQ
|
-9.81% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
73% |
| Delinquency Rate ? |
0.59%
+8.6% YoY
+0.0% QoQ
|
-0.05% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
42% |
| Loan-to-Deposit Ratio ? |
86.13%
-7.1% YoY
-5.3% QoQ
|
+11.60% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
70% |
| Non-Interest-Bearing Deposit Share ? |
4.96%
+3.6% YoY
-6.6% QoQ
|
-17.43% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 5% in tier |
| Nonperforming Asset Ratio ? |
0.71%
+78.3% YoY
-3.3% QoQ
|
+0.26% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
28% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.58%
+15.1% YoY
+53.1% QoQ
|
+0.02% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
75% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 5%
in Micro
Why this stands out
Current:
4.96%
(Tier avg: 22.39%, National avg: 21.79%)
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
95
95th pctile
Total Assets
Current: $459.6M · Tier avg: $217.5M
94
94th pctile
Total Loans
Current: $313.0M · Tier avg: $139.2M
92
92th pctile
Total Deposits
Current: $363.4M · Tier avg: $183.7M
75
75th pctile
Non-Interest Income / Assets
Current: 0.58% · Tier avg: 0.56%
73
73th pctile
Efficiency Ratio
Current: 57.92% · Tier avg: 67.73%
70
70th pctile
Loan-to-Deposit Ratio
Current: 86.13% · Tier avg: 74.53%
69
69th pctile
Return on Assets
Current: 1.37% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
42
42th pctile
Delinquency Rate
Current: 0.59% · Tier avg: 0.64%
39
39th pctile
Net Interest Margin
Current: 3.60% · Tier avg: 3.85%
28
28th pctile
Nonperforming Asset Ratio
Current: 0.71% · Tier avg: 0.45%
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 4.96% · Tier avg: 22.39%
Top Weaknesses
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 4.96% · Tier avg: 22.39%
28
28th pctile
Nonperforming Asset Ratio
Current: 0.71% · Tier avg: 0.45%
39
39th pctile
Net Interest Margin
Current: 3.60% · Tier avg: 3.85%
42
42th pctile
Delinquency Rate
Current: 0.59% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
69
69th pctile
Return on Assets
Current: 1.37% · Tier avg: 1.08%
70
70th pctile
Loan-to-Deposit Ratio
Current: 86.13% · Tier avg: 74.53%
73
73th pctile
Efficiency Ratio
Current: 57.92% · Tier avg: 67.73%
75
75th pctile
Non-Interest Income / Assets
Current: 0.58% · Tier avg: 0.56%
92
92th pctile
Total Deposits
Current: $363.4M · Tier avg: $183.7M
94
94th pctile
Total Loans
Current: $313.0M · Tier avg: $139.2M
95
95th pctile
Total Assets
Current: $459.6M · Tier avg: $217.5M