Side-by-side · Q2 2026 data
Farmers State Bank & Trust Co. vs Gulf Coast Bank
Metric by metric
| Measure | Farmers State Bank & Trust Co. | Gulf Coast Bank |
|---|---|---|
| TellerScore | 56 | 86 (stronger) |
| Capital cushion | 41 | 97 (stronger) |
| Loan quality | 8 | 79 (stronger) |
| Earnings | 97 (stronger) | 70 |
| Funding & liquidity | 100 (stronger) | 90 |
| Problem-loan coverage | 70 | 95 (stronger) |
| Peer percentile | 13th | 90th |
| Total assets | $174.7M | $513.7M |
| Deposits / shares | $159.7M | $444.1M |
| Capital ratio | 9.10% | 14.75% (stronger) |
| Problem loans | 2.76% | 0.63% (stronger) |
| Net charge-offs | 0.13% (stronger) | 0.13% |
| Return on assets | 1.93% (stronger) | 1.25% |
| Loans ÷ deposits | 50.7% (stronger) | 65.5% |
| Uninsured deposits | 15.2% (stronger) | 19.5% |
| Offices | 5 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.0% | 17.2% |
Gulf Coast Bank has the higher TellerScore (86 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank & Trust Co. leads on 4 and Gulf Coast Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Youngsville, LA