Gulf Coast Bank&Trust Co (FDIC #32974): Bank Stress & Real-Estate Credit Exposure
Gulf Coast Bank&Trust Co (FDIC Cert #32974): bank stress 74/100, elevated, STABLE over 7 days.
Gulf Coast Bank&Trust Co (#32974) lends in 9 counties across 4 states; Gulf Coast Bank&Trust Co (#32974) reaches 150 ZIP codes: Louisiana 6 counties, 105 ZIPs; Alabama 1 county, 24 ZIPs; Florida 1 county, 13 ZIPs; Mississippi 1 county, 8 ZIPs.
Gulf Coast Bank&Trust Co (#32974) largest markets: East Baton Rouge County, LA (56 branches, 28 ZIPs) (#32974), Baldwin County, AL (24 branches, 24 ZIPs) (#32974), Orleans County, LA (100 branches, 20 ZIPs) (#32974), Tangipahoa County, LA (20 branches, 20 ZIPs) (#32974), St. Tammany County, LA (72 branches, 18 ZIPs) (#32974), Jefferson County, LA (119 branches, 17 ZIPs) (#32974).
Gulf Coast Bank&Trust Co (#32974) reports $3.86 billion in total assets; Gulf Coast Bank&Trust Co (#32974) equity $325.4 million (8.4% of Gulf Coast Bank&Trust Co (#32974) assets); Gulf Coast Bank&Trust Co (#32974) domestic deposits $3.31 billion; Gulf Coast Bank&Trust Co (#32974) net income $20.7 million; Gulf Coast Bank&Trust Co (#32974) return on assets 1.11%; Gulf Coast Bank&Trust Co (#32974) return on equity 13.02%; Gulf Coast Bank&Trust Co (#32974) net interest income $124.0 million; Gulf Coast Bank&Trust Co (#32974) call report June 30, 2026.
Gulf Coast Bank&Trust Co (#32974) noncurrent real-estate loans 0.22% of its book; Gulf Coast Bank&Trust Co (#32974) multifamily 0.15%; Gulf Coast Bank&Trust Co (#32974) residential 0.13%; Gulf Coast Bank&Trust Co (#32974) net charge-offs on real estate 0.58%; Gulf Coast Bank&Trust Co (#32974) residential charge-offs 0.93%.
Gulf Coast Bank&Trust Co (#32974) net interest margin 7.03% against an eight-quarter Gulf Coast Bank&Trust Co (#32974) average of 7.10% (Gulf Coast Bank&Trust Co (#32974) compression 0.07 points); Gulf Coast Bank&Trust Co (#32974) real-estate loans 21.9% of equity; Gulf Coast Bank&Trust Co (#32974) non-residential real estate 93.2% of equity; Gulf Coast Bank&Trust Co (#32974) rate-exposure score 40/100, Gulf Coast Bank&Trust Co (#32974) fixed-rate trap 40/100; Gulf Coast Bank&Trust Co (#32974) risk type credit driven; Gulf Coast Bank&Trust Co (#32974) rate regime rates elevated, Gulf Coast Bank&Trust Co (#32974) snapshot October 19, 2026.
Gulf Coast Bank&Trust Co (#32974) stress score moved from 76.2 on June 22, 2026 to 73.9 on October 19, 2026; Gulf Coast Bank&Trust Co (#32974) ranged 73.9 to 76.2 over 116 snapshots.
Gulf Coast Bank&Trust Co (#32974) alerts: 8 counties; top Gulf Coast Bank&Trust Co (#32974) alert scores: Baton Rouge County, LA 24 (low); Chalmette County, LA 24 (low); Hammond County, LA 24 (low); Hattiesburg County, LA 24 (low); Miramar Beach County, LA 24 (low).