Side-by-side · Q2 2026 data
First Guaranty Bank vs Gulf Coast Bank and Trust Company
Metric by metric
| Measure | First Guaranty Bank | Gulf Coast Bank and Trust Company |
|---|---|---|
| TellerScore | 38 | 55 (stronger) |
| Capital cushion | 21 | 41 (stronger) |
| Loan quality | 23 | 47 (stronger) |
| Earnings | 35 | 64 (stronger) |
| Funding & liquidity | 89 (stronger) | 70 |
| Problem-loan coverage | 52 | 74 (stronger) |
| Peer percentile | 1st | 13th |
| Total assets | $3.9B | $3.9B |
| Deposits / shares | $3.5B | $3.3B |
| Capital ratio | 7.09% | 9.07% (stronger) |
| Problem loans | 2.30% | 1.60% (stronger) |
| Net charge-offs | 1.22% | 0.44% (stronger) |
| Return on assets | 0.39% | 1.11% (stronger) |
| Loans ÷ deposits | 50.0% (stronger) | 83.7% |
| Uninsured deposits | 25.3% | 21.4% (stronger) |
| Offices | 25 | 23 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.4% | — |
Gulf Coast Bank and Trust Company has the higher TellerScore (55 vs 38). On the 7 directional measures above (where higher or lower is clearly better), First Guaranty Bank leads on 1 and Gulf Coast Bank and Trust Company on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.