Side-by-side · Q2 2026 data
Bank of Commerce & Trust Co. vs Gulf Coast Bank
Metric by metric
| Measure | Bank of Commerce & Trust Co. | Gulf Coast Bank |
|---|---|---|
| TellerScore | 72 | 86 (stronger) |
| Capital cushion | 61 | 97 (stronger) |
| Loan quality | 94 (stronger) | 79 |
| Earnings | 33 | 70 (stronger) |
| Funding & liquidity | 92 (stronger) | 90 |
| Problem-loan coverage | 99 (stronger) | 95 |
| Peer percentile | 50th | 90th |
| Total assets | $377.9M | $513.7M |
| Deposits / shares | $332.0M | $444.1M |
| Capital ratio | 11.10% | 14.75% (stronger) |
| Problem loans | 0.19% (stronger) | 0.63% |
| Net charge-offs | 0.06% (stronger) | 0.13% |
| Return on assets | 0.32% | 1.25% (stronger) |
| Loans ÷ deposits | 29.6% (stronger) | 65.5% |
| Uninsured deposits | 22.6% | 19.5% (stronger) |
| Offices | 4 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 17.2% |
Gulf Coast Bank has the higher TellerScore (86 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Bank of Commerce & Trust Co. leads on 3 and Gulf Coast Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.