Gulf Coast Bank&Trust Co: Bank Stress & Real-Estate Credit Exposure

At 74/100, Gulf Coast Bank&Trust Co's DLRadar bank-stress reading is elevated; the institution is filed under FDIC Cert #32974. That figure comes straight from public FDIC call-report data — capital, asset quality, earnings and property-loan concentration — weighted by the bank's lending footprint.

Its lending reaches counties such as East Baton Rouge County, LA, Orleans County, LA, Tangipahoa County, LA, St. Tammany County, LA, each tied back to DLRadar's distress signals. The Gulf Coast Bank&Trust Co score updates as fresh FDIC call reports post each quarter, so its 74/100 reading and 7-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Gulf Coast Bank&Trust Co is directly comparable to any lender in the country. What separates this from a plain credit rating is the geographic weighting — Gulf Coast Bank&Trust Co's 74/100 reading reflects not just its balance sheet but the 7 counties it lends into, so the score doubles as a map of where its stress will land first. The value is in the linkage: Gulf Coast Bank&Trust Co's elevated reading is mapped onto 118 ZIP codes and 7 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline. The recent trend is stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it. Gulf Coast Bank&Trust Co runs a compact, regionally concentrated real-estate lending footprint — 7 U.S. counties across 2 states, spanning 118 ZIP codes. The deepest footprints are Louisiana (6 counties), Florida (1 county). The combination of a elevated reading and a compact footprint is what makes Gulf Coast Bank&Trust Co worth watching as a supply signal.

For buyers, lender stress is an early map of supply: when Gulf Coast Bank&Trust Co pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. That makes bank stress a forward indicator — it points to tomorrow's distressed supply, not yesterday's.

DLRadar scores every FDIC-insured bank this way and links each lender to parcel-level foreclosure, tax-lien and ownership signals in the markets it serves. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.