Gulf Coast Bank and Trust Company
New Orleans, Louisiana, Orleans County
$3.9B in total assets, the 353rd largest of 4,309 US banks and 4th of 104 headquartered in Louisiana.
- FDIC certificate
- 32974
- Established
- 1990
- Owned by
- No holding company
- Primary regulator
- FDIC
- Website
- www.gulfbank.com
At a glance
Compared with 17 banks headquartered in Louisiana with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $3.9B | 88% | $1.3B | |
| Loans | $2.8B | 88% | $930M | |
| Deposits | $3.3B | 88% | $1.2B | |
| Return on assets | 1.05% | 35% | 1.18% | |
| Net interest margin | 7.03% | 98% | 4.14% | |
| Efficiency ratio | 71.5% | 81% | 66.5% | |
| Equity to assets | 8.44% | 18% | 11.33% | |
| Loans to deposits | 85% | 59% | 78% |
Growth
Total assets grew 8.4% a year over the last 5 years and 10.4% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Nov 1997 | Southwest Bank Jennings, LA | $28M |
| Sep 1991 | Southern Federal Savings Bank New Orleans, LA | $208M |
| May 1991 | Security Homestead FSA New Orleans, LA | $346M |
| Jun 1990 | Central Savings and Loan Association, F.A. New Orleans, LA | $48M |
| Jun 1990 | American Savings and Loan Association New Orleans, LA | $61M |
| Jun 1990 | American Savings and Loan Association, FA New Orleans, LA | $52M |
Where they operate
25 branches in 10 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Jefferson County, LA | $1.1B | 8.2% | 5 of 26 |
| Orleans County, LA | $756M | 3.9% | 5 of 20 |
| St. Tammany County, LA | $497M | 6.3% | 7 of 26 |
| Walton County, FL | $403M | 13.0% | 2 of 20 |
| St. Bernard County, LA | $281M | 34.5% | 1 of 6 |
| East Baton Rouge County, LA | $168M | 0.8% | 11 of 35 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 6 branches since 2016 (19 to 25, +31.6%). 8 opened, 0 acquired, 2 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 19 | |||
| 2016 | Opened 3 in 3 states | 3 | 0 | +3 | 22 |
| 2020 | Closed Kissimmee | 0 | 1 | −1 | 21 |
| 2023 | Opened New Orleans | 1 | 0 | +1 | 22 |
| 2024 | Opened Miramar | 1 | 0 | +1 | 23 |
| 2025 | Opened HarahanClosed New Orleans | 1 | 1 | 0 | 23 |
| 2026 through Q2 | Opened Hattiesburg and Orange Beach | 2 | 0 | +2 | 25 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Business (C&I) | 46% | 13% | |
| Commercial real estate | 22% | 33% | |
| 1-4 family residential | 18% | 27% | |
| Construction and land | 8% | 9% | |
| Multifamily | 3% | 4% | |
| Consumer | 2% | 5% | |
| Farmland | 0% | 2% | |
| Agricultural | 0% | 1% | |
| Other | 1% | 6% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 55% | 43% | |
| Time deposits | 24% | 38% | |
| Noninterest-bearing | 20% | 19% |
Brokered deposits are 1.9% of deposits (peers 9.3%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 1.35% | 1.18% |
| Net charge-offs, annualized | 0.44% | 0.12% |
| Reserves to loans | 1.83% | 1.15% |
| Leverage ratio | 9.07% | 11.35% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Louisiana
Largest competitors in Jefferson County, LA
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/gulf-coast-bank-trust-new-orleans-la