Side-by-side · Q2 2026 data
Gulf Coast Bank vs Fifth District Savings Bank
Metric by metric
| Measure | Gulf Coast Bank | Fifth District Savings Bank |
|---|---|---|
| TellerScore | 86 (stronger) | 81 |
| Capital cushion | 97 | 100 (stronger) |
| Loan quality | 79 | 97 (stronger) |
| Earnings | 70 (stronger) | 33 |
| Funding & liquidity | 90 (stronger) | 65 |
| Problem-loan coverage | 95 | 99 (stronger) |
| Peer percentile | 90th | 80th |
| Total assets | $513.7M | $531.8M |
| Deposits / shares | $444.1M | $414.8M |
| Capital ratio | 14.75% | 21.41% (stronger) |
| Problem loans | 0.63% | 0.09% (stronger) |
| Net charge-offs | 0.13% | 0.00% (stronger) |
| Return on assets | 1.25% (stronger) | 0.33% |
| Loans ÷ deposits | 65.5% (stronger) | 94.8% |
| Uninsured deposits | 19.5% | 9.7% (stronger) |
| Offices | 9 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.2% | 24.6% |
Gulf Coast Bank has the higher TellerScore (86 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Gulf Coast Bank leads on 3 and Fifth District Savings Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.