Side-by-side · Q2 2026 data
BOM Bank vs Gulf Coast Bank and Trust Company
Metric by metric
| Measure | BOM Bank | Gulf Coast Bank and Trust Company |
|---|---|---|
| TellerScore | 60 (stronger) | 55 |
| Capital cushion | 56 (stronger) | 41 |
| Loan quality | 71 (stronger) | 47 |
| Earnings | 60 | 64 (stronger) |
| Funding & liquidity | 32 | 70 (stronger) |
| Problem-loan coverage | 82 (stronger) | 74 |
| Peer percentile | 21st | 13th |
| Total assets | $1.6B | $3.9B |
| Deposits / shares | $1.4B | $3.3B |
| Capital ratio | 10.64% (stronger) | 9.07% |
| Problem loans | 0.86% (stronger) | 1.60% |
| Net charge-offs | 0.20% (stronger) | 0.44% |
| Return on assets | 1.00% | 1.11% (stronger) |
| Loans ÷ deposits | 86.6% | 83.7% (stronger) |
| Uninsured deposits | 52.4% | 21.4% (stronger) |
| Offices | 26 | 23 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.5% | — |
BOM Bank has the higher TellerScore (60 vs 55). On the 7 directional measures above (where higher or lower is clearly better), BOM Bank leads on 4 and Gulf Coast Bank and Trust Company on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.