Side-by-side · Q2 2026 data
First National Bank USA vs Gulf Coast Bank and Trust Company
Metric by metric
| Measure | First National Bank USA | Gulf Coast Bank and Trust Company |
|---|---|---|
| TellerScore | 89 (stronger) | 55 |
| Capital cushion | 91 (stronger) | 41 |
| Loan quality | 99 (stronger) | 47 |
| Earnings | 86 (stronger) | 64 |
| Funding & liquidity | 62 | 70 (stronger) |
| Problem-loan coverage | 100 (stronger) | 74 |
| Peer percentile | 94th | 13th |
| Total assets | $249.1M | $3.9B |
| Deposits / shares | $213.1M | $3.3B |
| Capital ratio | 14.06% (stronger) | 9.07% |
| Problem loans | 0.03% (stronger) | 1.60% |
| Net charge-offs | 0.02% (stronger) | 0.44% |
| Return on assets | 1.65% (stronger) | 1.11% |
| Loans ÷ deposits | 52.6% (stronger) | 83.7% |
| Uninsured deposits | 49.9% | 21.4% (stronger) |
| Offices | 2 | 23 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.3% | — |
First National Bank USA has the higher TellerScore (89 vs 55). On the 7 directional measures above (where higher or lower is clearly better), First National Bank USA leads on 6 and Gulf Coast Bank and Trust Company on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.