Gulf Coast Bank And Trust Company Mortgage Rates, Fees & Info

New Orleans, LA

LEI: 5493008RSN6F31BTGT93

Tax ID: 72-1167423

4.5 stars - out of 5 stars, based on 54 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data


Overview

Gulf Coast Bank And Trust Company is a smaller bank specializing in Home Purchase and Refi loans. Gulf Coast Bank And Trust Company has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets include New Orleans, Baton Rouge, Hammond, Houma, and Gulfport among others. Gulf Coast Bank And Trust Company has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Gulf Coast Bank And Trust Company is typically an average fee lendor.


Originations

2,964

Origination Dollar Volume (All Markets)

$804,950,000

Employee count

718 Show all (5) awards

Relative Rate

Gulf Coast Bank And Trust Company's average 30 year fixed rate mortgage of loans were 3.05%.

The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

This yields a difference of -0.1%.

Relative Fees

Gulf Coast Bank And Trust Company's average total fees for a 30 year fixed rate mortgage are $5,495.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $4,750.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 2,125 $580,445,000 $273,151 $5,631 3.70%
BATON ROUGE, LA (FHA|USDA|VA) 274 $70,250,000 $256,387 $5,684 3.24%
HAMMOND, LA (FHA|USDA|VA) 206 $48,810,000 $236,942 $6,309 3.16%
HOUMA-THIBODAUX, LA (FHA|USDA|VA) 90 $22,040,000 $244,889 $5,595 2.98%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 41 $10,125,000 $246,951 $5,477 3.76%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 23 $8,345,000 $362,826 $5,506 3.14%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 17 $7,535,000 $443,235 $7,040 3.79%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 19 $6,995,000 $368,158 $5,084 3.07%
Picayune, MS (FHA|USDA|VA) 17 $3,655,000 $215,000 $5,248 3.74%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 9 $3,565,000 $396,111 $6,477 3.03%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 10 $3,320,000 $332,000 $4,713 2.76%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 12 $3,220,000 $268,333 $5,420 2.90%
LAFAYETTE, LA (FHA|USDA|VA) 13 $2,415,000 $185,769 $5,520 3.95%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 4 $2,410,000 $602,500 $5,103 3.34%
Bogalusa, LA (FHA|USDA|VA) 9 $2,365,000 $262,778 $5,784 3.13%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 8 $2,350,000 $293,750 $4,190 3.29%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 9 $2,145,000 $238,333 $4,283 3.65%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 3 $1,935,000 $645,000 $5,117 3.00%
Outside of Metro Areas 7 $1,865,000 $266,429 $4,859 3.04%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 3 $1,865,000 $621,667 $5,110 3.04%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 5 $1,765,000 $353,000 $4,850 2.75%
Cullman, AL (FHA|USDA|VA) 2 $1,280,000 $640,000 $12,524 4.63%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 3 $915,000 $305,000 $5,210 3.00%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 2 $900,000 $450,000 $6,369 4.19%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 4 $850,000 $212,500 $4,089 3.06%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 2 $740,000 $370,000 $10,029 4.31%
Heber, UT (FHA|USDA|VA) 1 $645,000 $645,000 $0 3.50%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $625,000 $625,000 $10,706 4.50%
Ruston, LA (FHA|USDA|VA) 2 $610,000 $305,000 $7,871 2.75%
MOBILE, AL (FHA|USDA|VA) 1 $595,000 $595,000 $0 4.26%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 2 $590,000 $295,000 $3,856 3.31%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 2 $580,000 $290,000 $3,819 3.40%
KNOXVILLE, TN (FHA|USDA|VA) 3 $555,000 $185,000 $3,157 3.17%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 1 $545,000 $545,000 $3,900 2.63%
Milledgeville, GA (FHA|USDA|VA) 1 $535,000 $535,000 $8,323 3.75%
PANAMA CITY, FL (FHA|USDA|VA) 1 $495,000 $495,000 $14,719 2.88%
RENO, NV (FHA|USDA|VA) 1 $475,000 $475,000 $8,572 3.00%
OKLAHOMA CITY, OK (FHA|USDA|VA) 1 $445,000 $445,000 $5,060 2.50%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 1 $415,000 $415,000 $1,946 2.75%
Sevierville, TN (FHA|USDA|VA) 1 $315,000 $315,000 $4,330 3.88%
Bay City, TX (FHA|USDA|VA) 1 $305,000 $305,000 $9,224 2.50%
JACKSONVILLE, FL (FHA|USDA|VA) 1 $295,000 $295,000 $0 3.88%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 1 $295,000 $295,000 $5,487 2.75%
TYLER, TX (FHA|USDA|VA) 1 $275,000 $275,000 $3,558 2.63%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $275,000 $275,000 $2,782 2.63%
GAINESVILLE, FL (FHA|USDA|VA) 1 $265,000 $265,000 $9,089 2.63%
Cullowhee, NC (FHA|USDA|VA) 1 $255,000 $255,000 $4,678 2.88%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 1 $255,000 $255,000 $3,502 3.13%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 1 $235,000 $235,000 $4,125 2.63%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 1 $235,000 $235,000 $3,203 2.75%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $205,000 $205,000 $2,819 2.75%
LAKE CHARLES, LA (FHA|USDA|VA) 1 $205,000 $205,000 $0 4.88%
TOLEDO, OH (FHA|USDA|VA) 1 $205,000 $205,000 $3,347 2.75%
Okeechobee, FL (FHA|USDA|VA) 1 $195,000 $195,000 $3,980 2.88%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 1 $195,000 $195,000 $0 3.88%
BELLINGHAM, WA (FHA|USDA|VA) 1 $195,000 $195,000 $2,106 3.63%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 1 $195,000 $195,000 $3,265 2.50%
ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $175,000 $175,000 $3,232 2.38%
TULSA, OK (FHA|USDA|VA) 1 $175,000 $175,000 $6,575 2.63%
AKRON, OH (FHA|USDA|VA) 1 $165,000 $165,000 $3,860 3.13%
Opelousas, LA (FHA|USDA|VA) 1 $155,000 $155,000 $6,567 2.50%
MONTGOMERY, AL (FHA|USDA|VA) 1 $145,000 $145,000 $3,437 2.50%
Palestine, TX (FHA|USDA|VA) 1 $125,000 $125,000 $4,109 3.00%
JACKSON, MS (FHA|USDA|VA) 1 $115,000 $115,000 $0 4.60%
Morgan City, LA (FHA|USDA|VA) 2 $110,000 $55,000 $0 3.50%
MONROE, LA (FHA|USDA|VA) 1 $95,000 $95,000 $0 4.13%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 1 $75,000 $75,000 $2,531 2.88%

Gulf Coast Bank And Trust Company's top markets include New Orleans, Baton Rouge, Hammond, Houma, and Gulfport among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 2,528 $698,200,000 $276,187 $5,109 3.69%
FHA 269 $63,735,000 $236,933 $8,295 2.95%
USDA 90 $17,070,000 $189,667 $5,789 2.78%
VA 77 $25,945,000 $336,948 $8,420 2.77%

For the 2021 period, Gulf Coast Bank And Trust Company's most frequently originated loan type of loans were Conventional, with 2,528 originations. Their 2nd most popular type is FHA, with 269 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Home Purchase 1,891 $530,505,000 $280,542 $6,406 3.64%
Refi 663 $179,815,000 $271,214 $4,258 3.36%
Cash Out Refi 269 $67,045,000 $249,238 $4,695 3.18%
Other 72 $14,840,000 $206,111 $4,074 3.89%
Home Improvement 69 $12,745,000 $184,710 $4,894 4.70%

For the 2021, Gulf Coast Bank And Trust Company's most frequently cited loan purpose of loans were Home Purchase, with 1,891 originations. The 2nd most popular reason of loans were Refi, with 663 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 1,681 $444,955,000 $264,697 $5,495 3.05%
20 Year 314 $75,530,000 $240,541 $3,997 4.69%
Other 282 $78,110,000 $276,986 $4,541 4.88%
30+ year 278 $111,860,000 $402,374 $8,193 3.78%
15 Year 220 $47,690,000 $216,773 $4,005 2.79%
1 Year 163 $42,335,000 $259,724 $0 5.11%
10 Year 23 $3,735,000 $162,391 $4,084 3.40%
3 Year 3 $735,000 $245,000 $0 4.73%

For the 2021, Gulf Coast Bank And Trust Company's most frequently cited loan length of loans were 30 Year, with 1,681 originations. The 2nd most popular length of loans were 20 Year, with 314 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$1k-2k 1,419 $367,955,000 $259,306
$3k-4k 355 $129,175,000 $363,873
$2k-3k 229 $58,965,000 $257,489
$5k+ 67 $30,455,000 $454,552
$<1k 29 $7,115,000 $245,345

$5,495 of loans were Gulf Coast Bank And Trust Company's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 1,419 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
2.5-3% 913 $247,925,000 $271,550
3-4% 857 $252,605,000 $294,755
4-5% 574 $172,480,000 $300,488
<2.5% 344 $82,020,000 $238,430
5-6% 247 $46,685,000 $189,008
6-7% 22 $2,820,000 $128,182
Over 8% 4 $190,000 $47,500
7-8% 3 $225,000 $75,000

During 2021, Gulf Coast Bank And Trust Company's average interest rate of loans were 3.05%, while their most frequently originated rate bucket of loans were 2.5-3%, with 913 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 1,336 $373,950,000 $279,903 $5,813 3.39%
$100k-200k 917 $140,695,000 $153,430 $4,491 3.61%
$400k-600k 410 $197,660,000 $482,098 $7,347 3.55%
$100,000 or less 213 $15,445,000 $72,512 $3,426 4.38%
$600k-1MM 65 $47,025,000 $723,462 $8,988 3.87%
$1MM+ 23 $30,175,000 $1,311,957 $9,150 4.11%

2021 saw Gulf Coast Bank And Trust Company place emphasis on $200k-400k loans with 1,336 originations, totaling $373,950,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$50k-75k 540 $113,890,000 $210,907 $5,294 3.11%
$100k-150k 489 $151,595,000 $310,010 $6,092 3.27%
$75k-100k 420 $106,400,000 $253,333 $5,816 3.14%
$150k-250k 346 $125,710,000 $363,324 $6,202 3.33%
$50k or less 317 $50,715,000 $159,984 $4,921 3.04%
$250k+ 177 $79,205,000 $447,486 $6,120 3.40%

Gulf Coast Bank And Trust Company lent most frequently to those with incomes in the $50k-75k range, with 540 originations. The second most popular income band? $100k-150k, with 489 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 500 $130,710,000 $261,420 $5,022 3.11%
30-36% 433 $117,835,000 $272,136 $5,576 3.14%
<20% 150 $42,130,000 $280,867 $4,705 3.10%
44% 114 $33,050,000 $289,912 $6,304 3.36%
40% 97 $26,605,000 $274,278 $5,925 3.23%
50-60% 96 $24,350,000 $253,646 $8,160 2.96%
42% 95 $29,425,000 $309,737 $6,407 3.25%
37% 93 $23,925,000 $257,258 $5,614 3.26%
39% 90 $28,070,000 $311,889 $6,014 3.29%
45% 89 $21,895,000 $246,011 $5,243 3.25%
41% 89 $27,455,000 $308,483 $6,076 3.22%
38% 82 $24,830,000 $302,805 $6,375 3.24%
43% 80 $22,500,000 $281,250 $5,936 3.28%
36% 64 $15,220,000 $237,813 $5,044 3.21%
46% 56 $15,850,000 $283,036 $5,680 2.97%
49% 52 $15,130,000 $290,962 $6,096 3.06%
47% 51 $11,575,000 $226,961 $5,379 3.12%
48% 47 $12,605,000 $268,191 $6,216 3.08%

Gulf Coast Bank And Trust Company lent most frequently to those with DTI ratios of 20-30%, with 500 originations. The next most common DTI ratio? 30-36%, with 433 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 1,785 $498,765,000 $279,420 $5,500 3.17%
Not applicable 616 $159,890,000 $259,562 $0 4.98%
Black 329 $82,175,000 $249,772 $6,512 3.32%
Not provided 120 $34,340,000 $286,167 $5,912 3.18%
Asian 95 $24,695,000 $259,947 $5,402 3.21%
American Indian 17 $4,485,000 $263,824 $6,064 3.10%
Native Hawaiian 2 $600,000 $300,000 $7,250 2.81%

Approval Rates

Total approvals of all applications
91.98%

Gulf Coast Bank And Trust Company has an average approval rate.

Pick Rate

Approvals leading to origination
77.78%

Gulf Coast Bank And Trust Company has a below average pick rate.

Points and Fees

Points Originations Total Value Average Loan
NA 2,964 $804,950,000 $271,576

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
2,964 $804,950,000 $271,576

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 132 $26,350,000 $199,621 $3,718 3.72%
40-60% 334 $87,740,000 $262,695 $4,168 3.42%
60-80% 1,166 $325,220,000 $278,919 $5,012 3.85%
80-100% 1,176 $333,460,000 $283,554 $6,346 3.16%
Over 100% 22 $7,510,000 $341,364 $13,670 2.90%
Under 20% 32 $3,790,000 $118,438 $2,917 5.18%

Bank Details

Branches

Bank Name Branch Branch Type Deposits (000's)
Gulf Coast Bank and Trust Company 1110 Highway 190 Covington, LA 70433 Full Service B&M $113,082
Gulf Coast Bank and Trust Company 1825 Veterans Highway Metairie, LA 70005 Full Service B&M $263,068
Gulf Coast Bank and Trust Company 1900 Oak Harbor Blvd Slidell, LA 70458 Full Service B&M $95,705
Gulf Coast Bank and Trust Company 1901 Manhattan Boulevard, Building F, Suite 103 Harvey, LA 70058 Full Service B&M $145,371
Gulf Coast Bank and Trust Company 200 St. Charles Avenue New Orleans, LA 70130 Limited, Mobile/Seasonal Office $0
Gulf Coast Bank and Trust Company 200 St. Charles Avenue New Orleans, LA 70130 Full Service B&M $429,336
Gulf Coast Bank and Trust Company 201 Huey P Long Ave Gretna, LA 70053 Full Service B&M $108,738
Gulf Coast Bank and Trust Company 201 North Carrollton Ave. New Orleans, LA 70119 Full Service B&M $50,241
Gulf Coast Bank and Trust Company 300 West Morris Avenue Hammond, LA 70404 Full Service B&M $40,413
Gulf Coast Bank and Trust Company 3200 Magazine Street New Orleans, LA 70115 Full Service B&M $48,370
Gulf Coast Bank and Trust Company 3410 Williams Boulevard Kenner, LA 70065 Full Service B&M $157,568
Gulf Coast Bank and Trust Company 423 East Boston Street Covington, LA 70433 Full Service B&M $112,887
Gulf Coast Bank and Trust Company 4565 Lasalle Street Mandeville, LA 70471 Full Service B&M $52,800
Gulf Coast Bank and Trust Company 5001 Veterans Boulevard Metairie, LA 70006 Full Service B&M $140,495
Gulf Coast Bank and Trust Company 7235 Jefferson Highway Baton Rouge, LA 70806 Full Service B&M $60,671
Gulf Coast Bank and Trust Company 737 Terry Pkwy Terrytown, LA 70056 Full Service B&M $96,951
Gulf Coast Bank and Trust Company 8216 West Judge Perez Drive Chalmette, LA 70043 Full Service B&M $145,893
Gulf Coast Bank and Trust Company 848 Harrison Avenue New Orleans, LA 70124 Full Service B&M $129,792
Gulf Coast Bank and Trust Company 13906 Perkins Rd Baton Rouge, LA 70810 Full Service B&M $65,019
Gulf Coast Bank and Trust Company 1801 East Judge Perez Chalmette, LA 70043 Full Service B&M $76,490

For 2021, Gulf Coast Bank And Trust Company had 20 branches.

Yearly Performance Overview

Bank Income

Item Value (in 000's)
Total interest income $173,041
Net interest income $163,495
Total noninterest income $54,634
Gross Fiduciary activities income $2,503
Service charges on deposit accounts $4,869
Trading account gains and fees $320
Additional Noninterest Income $46,942
Pre-tax net operating income $61,360
Securities gains (or losses, -) $315
Income before extraordinary items $48,468
Discontinued Operations (Extraordinary gains, net) $0
Net income of bank and minority interests $48,468
Minority interest net income $0
Net income $48,468
Sale, conversion, retirement of capital stock, net $0
Net operating income $48,219

Gulf Coast Bank And Trust Company's gross interest income from loans was $173,041,000.
Gulf Coast Bank And Trust Company's net interest income from loans was $163,495,000.
Gulf Coast Bank And Trust Company's fee based income from loans was $4,869,000.
Gulf Coast Bank And Trust Company's net income from loans was $48,468,000.

Bank Expenses

Item Value (in 000's)
Total interest expense $9,546
Provision for credit losses $8,188
Total noninterest expense $148,581
Salaries and employee benefits $105,055
Premises and equipment expense $8,224
Additional noninterest expense $35,302
Applicable income taxes $13,207
Net charge-offs $14,041
Cash dividends $4,579

Gulf Coast Bank And Trust Company's interest expense for loans was $9,546,000.
Gulf Coast Bank And Trust Company's payroll and benefits expense were $105,055,000.
Gulf Coast Bank And Trust Company's property, plant and equipment expenses $8,224,000.

Loan Performance

Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
All loans 0.0%
Real Estate loans 0.0%
Construction & Land Development loans 0.0%
Nonfarm, nonresidential loans 0.0%
Multifamily residential loans 0.0%
1-4 family residential loans 0.0%
HELOC loans 0.0%
All other family 0.0%
Commercial & industrial loans 1.0%
Personal loans 1.0%
Credit card loans 2.0%
Other individual loans 1.0%
Auto loans 0.0%
Other consumer loans 1.0%
Unsecured commercial real estate loans 0.0%

Deposits

Type Value (in 000's)
Total deposits $2,552,602
Deposits held in domestic offices $2,552,602
Deposits by Individuals, partnerships, and corporations $2,404,274
Deposits by U.S. Government $0
Deposits by States and political subdivisions in the U.S. $123,043
Deposits by Commercial banks and other depository institutions in U.S. $25,285
Deposits by Banks in foreign countries $0
Deposits by Foreign governments and official institutions $0
Transaction accounts $1,704,133
Demand deposits $700,633
Nontransaction accounts $848,469
Money market deposit accounts (MMDAs) $328,205
Other savings deposits (excluding MMDAs) $311,535
Total time deposits $208,729
Total time and savings deposits $1,851,969
Noninterest-bearing deposits $692,331
Interest-bearing deposits $1,860,271
Retail deposits $2,490,423
IRAs and Keogh plan accounts $33,785
Brokered deposits $15,936
Deposits held in foreign offices $0

Assets

Asset Value (in 000's)
Total Assets $2,823,154
Cash & Balances due from depository institutions $292,089
Interest-bearing balances $238,745
Total securities $635,723
Federal funds sold & reverse repurchase $0
Net loans and leases $1,798,736
Loan and leases loss allowance $23,607
Trading account assets $5,239
Bank premises and fixed assets $51,829
Other real estate owned $666
Goodwill and other intangibles $6,315
All other assets $32,557

Liabilities

Liabilities Value (in 000's)
Total liabilities and capital $2,823,154
Total Liabilities $2,588,515
Total deposits $2,552,602
Interest-bearing deposits $1,860,271
Deposits held in domestic offices $2,552,602
% insured (estimated) $76
Federal funds purchased and repurchase agreements $0
Trading liabilities $0
Other borrowed funds $8,080
Subordinated debt $0
All other liabilities $27,833

Issued Loan Types

Type Value (in 000's)
Net loans and leases $1,798,736
Loan and leases loss allowance $23,607
Total loans and leases (domestic) $1,822,343
All real estate loans $1,036,562
Real estate loans in domestic offices $1,036,562
Construction and development loans $145,432
Residential 1-4 family construction $122,705
Other construction, all land development and other land $22,727
Loans secured by nonfarm nonresidential properties $440,253
Nonfarm nonresidential secured by owner-occupied properties $222,115
Commercial real estate & other non-farm, non-residential $218,138
Multifamily residential real estate $59,993
1-4 family residential loans $390,605
Farmland loans $279
Loans held in foreign offices $0
Farm loans $0
Commercial and industrial loans $759,991
To non-U.S. addressees $0
Loans to individuals $25,790
Credit card loans $2,577
Related Plans $0
Consumer Auto Loans $28
Other loans to individuals $23,185
All other loans & leases $0
Loans to foreign governments and official institutions $0
Other loans $0
Loans to depository institutions and acceptances of other banks $0
Loans not secured by real estate $0
Loans secured by real estate to non-U.S. addressees $0
Restructured Loans & leases $2,789
Non 1-4 family restructured loans & leases $2,546
Total loans and leases (foreign) $0

Gulf Coast Bank and Trust Company had $1,798,736,000 of loans outstanding in 2021. $1,036,562,000 of loans were in real estate loans. $145,432,000 of loans were in development loans. $59,993,000 of loans were in multifamily mortgage loans. $390,605,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $2,577,000 of loans were in credit card loans. $28,000 of loans were in the auto loan category.

Small Business Loans

Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
Nonfarm, nonresidential loans - <$1MM 1,127 $247,180 $219,326
Nonfarm, nonresidential loans - <$100k 120 $5,438 $45,317
Nonfarm, nonresidential loans - $100-250k 405 $51,444 $127,022
Nonfarm, nonresidential loans - $250k-1MM 602 $190,298 $316,110
Commercial & Industrial, US addressed loans - <$1MM 4,366 $298,004 $68,256
Commercial & Industrial, US addressed loans - <$100k 2,682 $58,844 $21,940
Commercial & Industrial, US addressed loans - $100-250k 953 $70,695 $74,182
Commercial & Industrial, US addressed loans - $250k-1MM 731 $168,465 $230,458
Farmland loans - <$1MM 3 $279 $93,000
Farmland loans - <$100k 2 $112 $56,000
Farmland loans - $100-250k 1 $167 $167,000