Side-by-side · Q2 2026 data
Gulf Coast Bank and Trust Company vs Investar Bank, National Association
Metric by metric
| Measure | Gulf Coast Bank and Trust Company | Investar Bank, National Association |
|---|---|---|
| TellerScore | 55 | 67 (stronger) |
| Capital cushion | 41 | 57 (stronger) |
| Loan quality | 47 | 79 (stronger) |
| Earnings | 64 | 73 (stronger) |
| Funding & liquidity | 70 (stronger) | 45 |
| Problem-loan coverage | 74 | 90 (stronger) |
| Peer percentile | 13th | 44th |
| Total assets | $3.9B | $3.9B |
| Deposits / shares | $3.3B | $3.2B |
| Capital ratio | 9.07% | 10.75% (stronger) |
| Problem loans | 1.60% | 0.63% (stronger) |
| Net charge-offs | 0.44% | 0.03% (stronger) |
| Return on assets | 1.11% | 1.32% (stronger) |
| Loans ÷ deposits | 83.7% (stronger) | 94.0% |
| Uninsured deposits | 21.4% (stronger) | 34.1% |
| Offices | 23 | 36 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 11.5% |
Investar Bank, National Association has the higher TellerScore (67 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 Investar Bank, National Association on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.