Side-by-side · Q2 2026 data
Gulf Coast Bank vs Rayne Building and Loan Association
Metric by metric
| Measure | Gulf Coast Bank | Rayne Building and Loan Association |
|---|---|---|
| TellerScore | 86 (stronger) | 73 |
| Capital cushion | 97 | 100 (stronger) |
| Loan quality | 79 | 80 (stronger) |
| Earnings | 70 (stronger) | 0 |
| Funding & liquidity | 90 | 90 |
| Problem-loan coverage | 95 | 98 (stronger) |
| Peer percentile | 90th | 48th |
| Total assets | $513.7M | $50.8M |
| Deposits / shares | $444.1M | $36.1M |
| Capital ratio | 14.75% | 29.06% (stronger) |
| Problem loans | 0.63% | 0.61% (stronger) |
| Net charge-offs | 0.13% | 0.00% (stronger) |
| Return on assets | 1.25% (stronger) | -1.32% |
| Loans ÷ deposits | 65.5% (stronger) | 70.7% |
| Uninsured deposits | 19.5% | 6.0% (stronger) |
| Offices | 9 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.2% | 4.6% |
Gulf Coast Bank has the higher TellerScore (86 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Gulf Coast Bank leads on 3 and Rayne Building and Loan Association on 4. 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.