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Gulf Coast Business Bank
Fort Myers, FL · FDIC Certificate #59281 · Chartered 06/0
Total assets
$186.55M
Total deposits
$160.28M
Total equity
$25.62M
Net loans
$155.94M
Branches (offices)
1
Net income (YTD)
$349.00K
Rank: #3,071 of 4,213 U.S. banks by assets · #69 of 81 in Florida. Assets changed 25.9% and deposits 26.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.37% |
| Return on equity | 2.74% |
| Net interest margin (YTD) | 4.22% |
| Equity to assets | 13.73% |
| Tier 1 leverage ratio | 12.53% |
| Uninsured deposits (share of deposits) | 38.3% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 97.3% |
| Real estate loans (share of loans) | 82.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $128.51M | 82.4% | |
| Commercial & industrial | $27.11M | 17.4% | |
| Consumer / individual | $0 | 0.0% | |
| Construction & development | $16.32M | 10.5% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $24.70M | $1.49M | -$1.24M | $22.28M |
| Jun 2023 | $71.32M | $51.01M | -$1.50M | $19.21M |
| Jun 2024 | $92.02M | $73.84M | -$1.37M | $17.16M |
| Jun 2025 | $148.12M | $126.94M | -$712.00K | $20.20M |
| Jun 2026 | $186.55M | $160.28M | $349.00K | $25.62M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Florida | $160.28M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $160.28M.
Similar-sized banks
Southwind Bank ($186.55M) · Liberty Trust & Savings Bank ($186.22M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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