Gulf Coast Community Bank

Headquarters

40 North Palafox Street
Pensacola, FL 32502
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.80% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Gulf Coast Community Bank is an FDIC insured institution located in Pensacola, FL. It was founded in 2003 and has approximately $0.12 billion in assets.

FDIC Insured Yes
FDIC Certificate # 57564
Date Established 2003
Assets $ 133.44 million
Loans $ 88.11 million
Deposits $ 111.88 million
Capital N.A.
 

For a more detailed analysis of Gulf Coast Community Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 23, 2021

Your Current Location: California, CA 92111

 

Loan Rates - September 23, 2021

Your Current Location: California, CA 92111

There are currently no loan rates available for Gulf Coast Community Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - California 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Payment
Learn More
Morty, Inc.
NMLS ID: 1429243
2.654% 2.625%
0.38 points
$960 fees
$1,005 Learn More

Featured - California Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR 1.790 %
After Intro: 4.840 %
Intro Period: 6 months
$0 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to Gulf Coast Community Bank
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Branches

Gulf Coast Community Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
San Diego,California


Gulf Coast Community Bank Locations


Financial Details

Gulf Coast Community Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Gulf Coast Community Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Gulf Coast Community Bank U.S. Bank Average
-388.63% 5.29%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2021, Gulf Coast Community Bank had $246,000 in non-current loans and $9,221,000 in owned real estate. To cover these potential losses it had $-5,357,000 in equity and $2,921,000 in loans loss reserves. That gives it a Texas Ratio of -388.63%.

Return on Equity
Gulf Coast Community Bank U.S. Bank Average
0.92% 11.43%

Gulf Coast Community Bank has a Return on Equity of 0.92% versus the BestCashCow average of 11.43%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Gulf Coast Community Bank U.S. Bank Average
-4.01% 11.51%

Gulf Coast Community Bank has a Capitalization of -4.01% versus the BestCashCow average of 11.51. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Gulf Coast Community Bank Balance Sheet Analysis

As of December 31, 2016, Gulf Coast Community Bank had assets of $121,927,000, loans of $88,108,000, and deposits of $111,883,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2021
ASSETS
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 88.11 million
Loan loss allowance $ 2.92 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 9.22 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 111.88 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 133.44 million

Summary Income Statement

March 31, 2021
INCOME AND EXPENSES
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Gulf Coast Community Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Small Business Loans.

Compared to other banks in Florida, Gulf Coast Community Bank has a significantly higher percent of Small Business Loans, Construction and Development Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 29.34
Multifamily
Mortgages
0.64
Credit Card Loans 0.00
Consumer Auto Loans 0.01
Small Business Loans 26.54
Construction and Development Loans 15.00
Commercial Real Estate 44.83
Commercial and Industrial Loans 9.03
Farm Loans 0.00

Frequently Asked Questions About Gulf Coast Community Bank

Branches and Savings

Is Gulf Coast Community Bank FDIC insured?

Yes. It is covered under FDIC Certificate #57564.

Why does Gulf Coast Community Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Gulf Coast Community Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Gulf Coast Community Bank a commercial bank?

Yes

Where are Gulf Coast Community Bank locations?

See branch locations nearby.

Is Gulf Coast Community Bank open on Saturdays?

Is Gulf Coast Community Bank open on Sundays?

What time does Gulf Coast Community Bank open?

What time does Gulf Coast Community Bank close?

Are Gulf Coast Community Bank ATMs Open 24/7?

Do Gulf Coast Community Bank ATMs accept cash deposits?

Can Gulf Coast Community Bank customers use other ATMs?

Do Gulf Coast Community Bank branches have notaries?

Will Gulf Coast Community Bank notarize my document?

What address for Gulf Coast Community Bank should I put for incoming ACH transfers?

Will the Gulf Coast Community Bank branch print checks?

Do Gulf Coast Community Bank checks expire?

Does Gulf Coast Community Bank require US citizenship to open account?

Can Gulf Coast Community Bank close my account?

Does Gulf Coast Community Bank Report to credit bureaus?

Does Gulf Coast Community Bank Use Equifax?

What is Gulf Coast Community Bank's ACH Routing Number?

What is Gulf Coast Community Bank's SWIFT code?

Products

Does Gulf Coast Community Bank offer mortgages?

Compare mortgage rates here.

Does Gulf Coast Community Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Gulf Coast Community Bank offer personal loans?

Compare personal loan rates here.

Does Gulf Coast Community Bank offer student loans?

Will Gulf Coast Community Bank cash a check?

Will Gulf Coast Community Bank redeem a savings bond?

Does Gulf Coast Community Bank cash savings bonds?

Will Gulf Coast Community Bank cash money orders?

Can Gulf Coast Community Bank issue a money order?

Does Gulf Coast Community Bank do currency exchange?

Background on The Bank

Who owns Gulf Coast Community Bank?

How long has Gulf Coast Community Bank been around?

Can Gulf Coast Community Bank transfer to other banks?

Does Gulf Coast Community Bank have quick pay?

Does Gulf Coast Community Bank accept rolled coins?

Will Gulf Coast Community Bank accept loose change?

Where is Gulf Coast Community Bank headquarters?

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