Gulf Coast Business Bank
Fort Myers, FL·RSSD 5724226·FDIC 59281·bank:5724226·CBLR opted in
- #70 of 85Total assets in Florida
- 1offices
- 27employees
- Top 3%Loan growth in the U.S.
- Top 4%Deposit growth in the U.S.
- Top 8%Loan quality vs. peers
Performance over time
17 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Gulf Coast Business Bank
10 of 24 FORFI signals stand out against 1223 similar banks, based on FDIC data for the quarter.
Deposit costs among the highest of similar banksWorth a look: Funding 2nd quarter3.24%peers 1.68%+156 bps
Gulf Coast Business Bank's cost of all deposits was 3.24%, compared with a median of 1.68% among 1213 similar banks: higher than 98% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Cost of all deposits | ||
| 3.24% | 1.68% | +156 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Gulf Coast Business Bank itself is left out of every peer median and percentile. How signals work
Commercial lending growing with steady creditStrength: Lending FORFI signal 2nd quarter+63.9%peers +0.9%+63.0 pp
Gulf Coast Business Bank's C&I loans grew faster than at similar banks, without a material rise in problem loans or net charge-offs.
| This institution | Peer median | Difference |
|---|---|---|
| Commercial and industrial loans, 12-month growth | ||
| +63.9% | +0.9% | +63.0 pp |
With internal data, FORFI would look at: Which new commercial borrowers do not yet hold operating deposits or treasury services with the institution.
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Gulf Coast Business Bank itself is left out of every peer median and percentile. How signals work
Leverage capital ratio falling while the peer median risesWorth a look: Capital12.53%peers 11.33%+1.2 pp
Gulf Coast Business Bank's leverage ratio fell 2.5 percentage points over the past year to 12.53%. Among 1222 similar banks, the median rose 0.1 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Leverage ratio | ||
| 12.53% | 11.33% | +1.2 pp |
| 12-month change | ||
| -2.5 pp | +0.1 pp | -2.6 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Gulf Coast Business Bank itself is left out of every peer median and percentile. How signals work
Total assets growing faster than peersStrength: Growth 2nd quarter+25.9%peers +4.2%+21.7 pp
Gulf Coast Business Bank's total assets grew 25.9% over the past year to $187 million. The median among 1222 similar banks was +4.2%.
| This institution | Peer median | Difference |
|---|---|---|
| Total assets, 12-month growth | ||
| +25.9% | +4.2% | +21.7 pp |
| Total assets | ||
| $187 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Gulf Coast Business Bank itself is left out of every peer median and percentile. How signals work
Return on assets rising faster than peersStrength: Earnings 2nd quarter0.19%peers 1.26%-107 bps
Gulf Coast Business Bank's annualized return on assets rose 85 bps over the past year to 0.19%. Among 1222 similar banks, the median rose 14 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized return on assets | ||
| 0.19% | 1.26% | -107 bps |
| 12-month change | ||
| +85 bps | +14 bps | +71 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Gulf Coast Business Bank itself is left out of every peer median and percentile. How signals work
5 more observations
- Deposit costs rising while the peer median fallsFunding
- Loans growing faster than peersLending
- Reliance on CDs falling while the peer median holds steadyFunding
- Deposits growing faster than peersFunding
- C&I lending growing faster than peersLending
Key facts
- Gulf Coast Business Bank is a bank headquartered in Fort Myers, Florida. It reported $187 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $160 million, up 26.3% from a year earlier, and loans totaled $158 million, up 31.2%.
- Its net interest margin was 4.07% and its annualized return on assets was 0.19% for the quarter.
- Its cost of all deposits was 3.24%, compared with a median of 1.68% among 1213 similar banks with $100 million to $300 million in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Gulf Coast Business Bank's own data, FORFI would look at: Which depositors and relationships drive the change in funding, and what to offer them next.
Analysis workspaces
Sources and identifiers
- Institution
- Gulf Coast Business Bank · Bank
- Federal Reserve RSSD
- 5724226
- FDIC certificate
- 59281
- Reporting period
- Peer group
- 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Gulf Coast Business Bank itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $92K | — | |
| $3.17M | — | |
| $1.32M | — | |
| $1.85M | — | |
| $86K | — | |
| $1.74M | — | |
| $68K | — | |
| $68K | — | |
| 0.19% | 0.19%ROAQ · Quarter | |
| 4.07% | 4.06%NIMYQ · Quarter | |
| 89.89% | 89.89%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.