Gulf Coast Business Bank (FDIC certificate #59281) is based in Fort Myers, Florida. Its Q2 2026 call report shows $186.6M in total assets and $160.3M in deposits and 1 office.
Gulf Coast Business Bank has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than only 43% of its 2,650 banks with $100 million – $1 billion. Among 82 banks headquartered in Florida, it ranks 38th. Loan quality contributes the most (100/100, 0.00%); earnings contributes the least (35/100, 0.37%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 2 points (72 → 70), mostly because the earnings component improved by 35 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 72 |
| Q3 2024 | 73 |
| Q4 2024 | 72 |
| Q1 2025 | 68 |
| Q2 2025 | 72 |
| Q3 2025 | 72 |
| Q4 2025 | 57 |
| Q1 2026 | 75 |
| Q2 2026 | 70 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 19.65% |
| Q3 2024 | 17.36% |
| Q4 2024 | 15.85% |
| Q1 2025 | 13.45% |
| Q2 2025 | 15.02% |
| Q3 2025 | 15.73% |
| Q4 2025 | 15.04% |
| Q1 2026 | 13.22% |
| Q2 2026 | 12.53% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 2.66% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -3.14% |
| Q3 2024 | -2.65% |
| Q4 2024 | -2.31% |
| Q1 2025 | -1.61% |
| Q2 2025 | -1.09% |
| Q3 2025 | -0.67% |
| Q4 2025 | 0.65% |
| Q1 2026 | 0.55% |
| Q2 2026 | 0.37% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 70 | $186.6M | 12.53% | 0.00% | 0.37% | 97.3% |
| Q1 2026 | 75 | $192.2M | 13.22% | 0.00% | 0.55% | 89.9% |
| Q4 2025 | 57 | $181.1M | 15.04% | 2.66% | 0.65% | 95.7% |
| Q3 2025 | 72 | $154.9M | 15.73% | 0.00% | -0.67% | 98.8% |
| Q2 2025 | 72 | $148.1M | 15.02% | 0.00% | -1.09% | 93.6% |
| Q1 2025 | 68 | $130.3M | 13.45% | 0.00% | -1.61% | 88.5% |
| Q4 2024 | 72 | $111.7M | 15.85% | 0.00% | -2.31% | 91.5% |
| Q3 2024 | 73 | $102.8M | 17.36% | 0.00% | -2.65% | 87.0% |
| Q2 2024 | 72 | $92.0M | 19.65% | 0.00% | -3.14% | 92.7% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Florida
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Commerce Bank & TrustBank Winter Park, FL | 44 out of 100, Below average | $197.9M | 10.5% | 3.44% | vs |
| The Warrington BankBank Pensacola, FL | 88 out of 100, Very strong | $173.9M | 16.7% | 0.00% | vs |
| Madison County Community BankBank Madison, FL | 66 out of 100, Moderate | $211.7M | 8.4% | 0.30% | vs |
| Bank of Belle GladeBank Belle Glade, FL | 72 out of 100, Strong | $160.1M | 10.2% | 0.00% | vs |
| Surety BankBank Deland, FL | 90 out of 100, Very strong | $213.7M | 13.2% | 0.22% | vs |
| PNB Community BankBank Niceville, FL | 75 out of 100, Strong | $155.2M | 10.3% | 0.04% | vs |
Deposit insurance
Is my money safe at Gulf Coast Business Bank?
Yes. Gulf Coast Business Bank is an FDIC-insured institution (FDIC certificate #59281). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 38.3% of deposits ($61.4M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.53%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
1 location
Branches
Gulf Coast Business Bank lists 1 office in 1 city. Most locations:
- Fort Myers, FL (1)
Identity & history
Profile
- Legal name
- Gulf Coast Business Bank
- Type
- State-chartered bank
- FDIC certificate #
- 59281
- RSSD ID
- 5724226
- Primary regulator
- FDIC
- Established
- June 6, 2022
- Headquarters
- 12205 Metro Pkwy, Fort Myers, FL 33966
- Website
- www.gcbbswfl.com
- Employees
- 27
Quick answers
Gulf Coast Business Bank: common questions
Is Gulf Coast Business Bank FDIC insured?
Yes. Gulf Coast Business Bank is an FDIC-insured institution (FDIC certificate #59281). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Gulf Coast Business Bank's TellerScore?
70 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Gulf Coast Business Bank ever failed?
There is no failure record for FDIC certificate #59281 in the FDIC failed bank list.
How many branches does Gulf Coast Business Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Fort Myers
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Centennial BankBank Conway, AR | 79 out of 100, Strong | $24.6B | 12.6% | 0.55% | vs |
| Bank OZKBank Little Rock, AR | 76 out of 100, Strong | $41.7B | 14.0% | 0.92% | vs |
| Commerce BankBank Kansas City, MO | 76 out of 100, Strong | $35.0B | 11.4% | 0.17% | vs |
| Busey BankBank Champaign, IL | 74 out of 100, Strong | $18.1B | 12.4% | 0.51% | vs |
| Lake Michigan Credit UnionCredit union Grand Rapids, MI | 73 out of 100, Strong | $17.3B | 11.3% | 0.35% | vs |
| Cogent BankBank Orlando, FL | 72 out of 100, Strong | $2.5B | 9.7% | 0.39% | vs |