Side-by-side · Q2 2026 data
Citizens Bank & Trust Company vs Gulf Coast Bank
Metric by metric
| Measure | Citizens Bank & Trust Company | Gulf Coast Bank |
|---|---|---|
| TellerScore | 68 | 86 (stronger) |
| Capital cushion | 69 | 97 (stronger) |
| Loan quality | 73 | 79 (stronger) |
| Earnings | 64 | 70 (stronger) |
| Funding & liquidity | 46 | 90 (stronger) |
| Problem-loan coverage | 89 | 95 (stronger) |
| Peer percentile | 37th | 90th |
| Total assets | $480.8M | $513.7M |
| Deposits / shares | $405.4M | $444.1M |
| Capital ratio | 11.93% | 14.75% (stronger) |
| Problem loans | 0.82% | 0.63% (stronger) |
| Net charge-offs | 0.09% (stronger) | 0.13% |
| Return on assets | 1.09% | 1.25% (stronger) |
| Loans ÷ deposits | 88.7% | 65.5% (stronger) |
| Uninsured deposits | 37.8% | 19.5% (stronger) |
| Offices | 6 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.3% | 17.2% |
Gulf Coast Bank has the higher TellerScore (86 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank & Trust Company leads on 1 and Gulf Coast Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.