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Q2 2026 · read from the 30 June 2026 Call Report · United States · South Central · Louisiana, the state note

Gulf Coast Bank & Trust Co.

New Orleans, Louisiana · $3.86B in assets · beside the 5 other Louisiana banks between $3B and $10B

The filing

23.2%
CRE / loans
1st of 6
74.0%
Efficiency
6th of 6
8.4%
Equity / assets
5th of 6

Gulf Coast Bank & Trust Co. is the third largest of the 6 Louisiana banks between $3B and $10B, with $3.86B in assets at 30 June 2026. Loans are 85.2% of deposits, 3rd of 6 against a median of 87.8%, and equity is 8.4% of assets, 5th of 6. Loans grew +11.4% in the year, 2nd of 6, and deposits grew 7.4%; the cohort's median loan growth is +7.9%.

Noncurrent loans are 1.60% of the book, 5th of 6 against a median of 1.11%; 0.31% is 30 to 89 days past due, and the allowance covers them 1.1 times. Net charge-offs are 0.42% of loans, 5th of 6. Commercial real estate is 23.2% of loans, the lowest in the cohort against a median of 32.3%, and 175% of capital, below the 300% screen, with construction at 63% against the 100% screen. CRE has grown +69.2% over 36 months, past the guidance's 50% prong.

Return on assets is 1.10%, 5th of 6 against a median of 1.19%, on an efficiency ratio of 74.0%, the highest in the cohort. Five years ago it was 1.75%. The question is which of these lines moves first over the next four quarters, and against which peer.

Commercial real estate, share of loansLA banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 32.3% GC Gulf Coast Bank & Trust Co. 23.2% IB Investar Bank National Association 30.0% RR Red River Bank 30.3% HB Home Bank National Association 34.3% B B1bank 37.0% FG First Guaranty Bank 40.0%
Loans, year over yearLA banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +7.9% IB Investar Bank National Association +45.3% GC Gulf Coast Bank & Trust Co. +11.4% B B1bank +10.2% RR Red River Bank +5.7% HB Home Bank National Association +0.5% FG First Guaranty Bank -26.8%

SBA 7(a), FY2008 to FY2026

Gulf Coast Bank & Trust Co. is the 43rd largest 7(a) lender into Texas of 706, with $265M across 289 loans, 0.6% of everything approved in the state (Live Oak Banking Company leads with $2.53B). 212 of its 395 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Texas, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Dallas, TX$62M19th of 3141.1%+0.6 pts
Saint Tammany, LA$59M1st of 7817.1%+5.5 pts
Orleans, LA$46M1st of 8512.3%+3.3 pts
Jefferson, LA$44M1st of 8411.0%quiet FY2022
Harris, TX$35M57th of 3140.4%+0.3 pts
East Baton Rouge, LA$27M2nd of 1176.1%thin
Los Angeles, CA$26M86th of 3080.1%+0.4 pts
Maricopa, AZ$24M51st of 3030.3%-0.0 pts
Collin, TX$23M26th of 2610.9%-1.0 pts
Palm Beach, FL$21M30th of 1950.9%-1.7 pts
Broward, FL$21M40th of 2090.7%-1.0 pts
Tarrant, TX$20M42nd of 2810.5%+0.1 pts
Denton, TX$19M31st of 2241.0%-0.0 pts
382 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services473$332M26.9%0.43%55th of 2,596
Health care & social assistance209$160M12.9%0.34%51st of 2,172
Other services216$143M11.6%0.41%51st of 2,248
Retail trade319$139M11.2%0.23%86th of 2,589
Construction136$81M6.6%0.26%67th of 2,063
7(a) lenders into Texas, share of approvals since FY2008706 lenders on record; the ten largest and Gulf Coast
LO Live Oak Banking Company 5.8% $2.53B · 1,820 loans TH The Huntington National Bank 5.2% $2.28B · 3,585 loans WF Wells Fargo Bank National Associa… 4.6% $2.02B · 7,244 loans PB PNC Bank, National Association 3.9% $1.70B · 8,154 loans JC JPMorgan Chase Bank, National Ass… 3.4% $1.49B · 7,339 loans WB Wallis Bank 3.2% $1.41B · 1,134 loans CB Celtic Bank Corporation 2.0% $879M · 1,359 loans Bo Bank of Hope 1.7% $741M · 1,359 loans RL Readycap Lending, LLC 1.7% $728M · 1,216 loans EB Enterprise Bank & Trust 1.6% $717M · 569 loans GC Gulf Coast Bank and Trust Company 0.6% $265M · 289 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Gulf CoastRankCohort median
Total CRE against capital, the 300% screen175%2nd of 6206%
Construction against capital, the 100% screen63%4th of 661%
Construction and land development, share of loans8.4%2nd of 69.4%
Non-owner-occupied nonfarm nonresidential, share of loans11.7%1st of 617.6%
Total CRE, the guidance definition, share of loans23.2%1st of 632.3%
CRE growth over 36 months, the third prong+69.2%6th of 6+18.5%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
B1bank$8.89B1.2%61.5%1.26%0.12%0.9%91.6%12.2%
First Guaranty Bank$3.89B0.4%68.9%2.30%1.33%1.9%50.9%6.7%
Gulf Coast Bank & Trust Co.$3.86B1.1%74.0%1.60%0.42%1.8%85.2%8.4%
Investar Bank National Association$3.85B1.2%63.3%0.63%0.02%1.2%95.2%11.5%
Home Bank National Association$3.60B1.4%59.3%0.95%0.06%1.2%90.3%13.6%
Red River Bank$3.31B1.5%53.7%0.11%0.01%1.1%77.8%11.3%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Gulf CoastCohort median
20212026Change20212026Change
Loans$1.87B$2.82B+51%$1.94B$2.80B+45%
Deposits$2.33B$3.31B+42%$2.40B$3.26B+36%
NPA / loans1.16%1.60%+0.44 pts0.90%1.11%+0.21 pts
Efficiency68.7%74.0%+5.3 pts61.1%62.4%+1.3 pts
ROA1.75%1.10%-0.65 pts1.33%1.19%-0.14 pts

This read was prepared for Gulf Coast Bank & Trust Co.'s board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Gulf Coast Bank & Trust Co. is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort LA banks $3B to $10B
Institution www.gulfbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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