BlastPoint's Banking Scorecard
Gulf Coast Business Bank
Micro
Specialty: Commercial
FL
FDIC cert 59281
Designations: ✓ Community bank
Fort Myers, FL
2498
banks in Micro tier nationally
35 in FL
View Micro leaderboard (FL) →
Gulf Coast Business Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Ratio 35.33% above tier
- - Delinquency Rate 2.06% above tier
- - Nonperforming Asset Ratio 1.76% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$181.1M
+62.2% YoY
+17.0% QoQ
|
-$36.4M |
$217.5M
+2.3% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
46% |
| Total Loans ? |
$148.2M
+71.6% YoY
+15.1% QoQ
|
+$9.0M |
$139.2M
+2.8% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
60% |
| Total Deposits ? |
$154.8M
+64.2% YoY
+18.8% QoQ
|
-$28.8M |
$183.7M
+1.8% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
47% |
| Return on Assets ? |
0.65%
+128.0% YoY
+196.0% QoQ
|
-0.44% |
1.08%
+14.7% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
25% |
| Net Interest Margin ? |
4.10%
-2.7% YoY
-3.9% QoQ
|
+0.25% |
3.85%
+6.6% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
63% |
| Efficiency Ratio ? |
103.05%
-26.7% YoY
+0.2% QoQ
|
+35.33% |
67.73%
-4.8% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 4% in tier |
| Delinquency Rate ? | 2.70% | +2.06% |
0.64%
+24.4% YoY
|
0.34%
-31.5% YoY
|
0.66%
+20.3% YoY
|
Bottom 8% in tier |
| Loan-to-Deposit Ratio ? |
95.70%
+4.6% YoY
-3.1% QoQ
|
+21.17% |
74.53%
+0.5% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
Top 14% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.73%
-31.6% YoY
-23.3% QoQ
|
-8.66% |
22.39%
-1.3% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
19% |
| Nonperforming Asset Ratio ? | 2.21% | +1.76% |
0.45%
+25.1% YoY
|
0.26%
-19.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 6% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.37%
-0.5% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.19%
+85.5% YoY
+12.2% QoQ
|
-0.37% |
0.56%
+0.3% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
22% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Efficiency Ratio
metric
Bottom 4%
in Micro
Why this stands out
Current:
103.05%
(Tier avg: 67.73%, National avg: 65.09%)
Delinquency Rate
metric
Bottom 8%
in Micro
Why this stands out
Current:
2.70%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
2.21%
(Tier avg: 0.45%, National avg: 0.48%)
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
86
86th pctile
Loan-to-Deposit Ratio
Current: 95.70% · Tier avg: 74.53%
63
63th pctile
Net Interest Margin
Current: 4.10% · Tier avg: 3.85%
60
60th pctile
Total Loans
Current: $148.2M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
47
47th pctile
Total Deposits
Current: $154.8M · Tier avg: $183.7M
46
46th pctile
Total Assets
Current: $181.1M · Tier avg: $217.5M
25
25th pctile
Return on Assets
Current: 0.65% · Tier avg: 1.08%
22
22th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 13.73% · Tier avg: 22.39%
8
8th pctile
Delinquency Rate
Current: 2.70% · Tier avg: 0.64%
6
6th pctile
Nonperforming Asset Ratio
Current: 2.21% · Tier avg: 0.45%
4
4th pctile
Efficiency Ratio
Current: 103.05% · Tier avg: 67.73%
Top Weaknesses
4
4th pctile
Efficiency Ratio
Current: 103.05% · Tier avg: 67.73%
6
6th pctile
Nonperforming Asset Ratio
Current: 2.21% · Tier avg: 0.45%
8
8th pctile
Delinquency Rate
Current: 2.70% · Tier avg: 0.64%
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 13.73% · Tier avg: 22.39%
22
22th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
25
25th pctile
Return on Assets
Current: 0.65% · Tier avg: 1.08%
46
46th pctile
Total Assets
Current: $181.1M · Tier avg: $217.5M
47
47th pctile
Total Deposits
Current: $154.8M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
60
60th pctile
Total Loans
Current: $148.2M · Tier avg: $139.2M
63
63th pctile
Net Interest Margin
Current: 4.10% · Tier avg: 3.85%
86
86th pctile
Loan-to-Deposit Ratio
Current: 95.70% · Tier avg: 74.53%