Side-by-side · Q2 2026 data
Gulf Coast Bank and Trust Company vs b1BANK
Metric by metric
| Measure | Gulf Coast Bank and Trust Company | b1BANK |
|---|---|---|
| TellerScore | 55 | 59 (stronger) |
| Capital cushion | 41 | 59 (stronger) |
| Loan quality | 47 | 58 (stronger) |
| Earnings | 64 | 69 (stronger) |
| Funding & liquidity | 70 (stronger) | 34 |
| Problem-loan coverage | 74 | 81 (stronger) |
| Peer percentile | 13th | 19th |
| Total assets | $3.9B | $8.9B |
| Deposits / shares | $3.3B | $7.3B |
| Capital ratio | 9.07% | 10.91% (stronger) |
| Problem loans | 1.60% | 1.26% (stronger) |
| Net charge-offs | 0.44% | 0.12% (stronger) |
| Return on assets | 1.11% | 1.23% (stronger) |
| Loans ÷ deposits | 83.7% (stronger) | 90.8% |
| Uninsured deposits | 21.4% (stronger) | 46.7% |
| Offices | 23 | 56 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.0% |
b1BANK has the higher TellerScore (59 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Gulf Coast Bank and Trust Company leads on 2 and b1BANK on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.