Compared with Louisiana
10 of 20
compared fees are above the median.
5 below, 5 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
54th percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the Louisiana median
of 20 compared; 5 below, 5 about the same
See the feesFee schedule read Oct 12, 2026
Call-report figures are for Gulf Coast Bank and Trust Company at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 869 banks with $1B to $10B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Louisiana median | Published fees above the Louisiana median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Gulf Coast Bank and Trust Company's published fee schedule; Bank Fee Index medians | Current schedule | Oct 12, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 2.3% of revenue, above the 2.2% median of 869 banks with $1B to $10B in assets (54th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $1.8M in Q2 2026, 3.2% above the same quarter a year earlier ($1.7M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
10 of 20 compared published fees sit above the Louisiana median; 5 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Louisiana medians for fees published by banks and credit unions.
Non-Network ATM
Overdraft (OD)
Wire Transfer (Domestic Out)
Each amount links to the fee schedule it was read from. Medians for Louisiana, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 1.7% from Q3 2025 to Q2 2026, to $1.8M. Its share of revenue, 2.3%, is above the 2.2% median for banks with $1B to $10B in assets.
$1.8M
Gulf Coast Bank and Trust CompanyMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 869 banks with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Gulf Coast Bank and Trust Company · $3.9B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Gulf Coast Bank and Trust Company(this institution) | New Orleans, LA | $3.9B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank of the Sierra | Porterville, CA | $3.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Bank of Utah | Ogden, UT | $3.8B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Capital Bank, National Association | Rockville, MD | $3.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Central Bank & Trust Co. | Lexington, KY | $4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Colony Bank | Fitzgerald, GA | $3.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Commercial Bank of California | Irvine, CA | $4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Cornerstone Capital Bank, SSB | Houston, TX | $3.7B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Bank | Hamilton, NJ | $4.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Community Bank | Batesville, AR | $3.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Community Bank | Bluefield, VA | $3.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Guaranty Bank | Hammond, LA | $3.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| First PREMIER Bank | Sioux Falls, SD | $3.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Frandsen Bank & Trust | Lonsdale, MN | $3.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Gate City Bank | Fargo, ND | $4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Home Bank, National Association | Lafayette, LA | $3.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Independence Bank of Kentucky | Owensboro, KY | $3.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Manasquan Bank | Manasquan, NJ | $3.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pinnacle Bank | Elberton, GA | $4B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| RCB Bank | Claremore, OK | $4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| River Bank & Trust | Prattville, AL | $4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Security Bank of Kansas City | Kansas City, KS | $3.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Spencer Savings Bank, SLA | Elmwood Park, NJ | $4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Union Savings Bank | Cincinnati, OH | $4B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| West Bank | West Des Moines, IA | $4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Woori America Bank | New York, NY | $4.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 17 publish this fee(monthly maintenance)
8 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $8.48 among 17 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Gulf Coast Bank and Trust Company does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Gulf Coast Bank and Trust Company (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $1.8M | −$19K | −1.1% |
| Q1 2026 | $1.8M | −$6K | −0.3% |
| Q4 2025 | $1.8M | −$6K | −0.3% |
| Q3 2025 | $1.8M | +$85K | +5.0% |
| Q2 2025 | $1.7M | +$38K | +2.3% |
| Q1 2025 | $1.7M | −$78K | −4.5% |
| Q4 2024 | $1.7M | −$4K | −0.2% |
| Q3 2024 | $1.7M | +$22K | +1.3% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, Gulf Coast Bank and Trust Company left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Gulf Coast Bank and Trust Company by share.
Amounts from Gulf Coast Bank and Trust Company’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per hour
per item
per hour
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Inactive/Dormant Account Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Research (per hour) | $35Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement | $4.85Inside the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Return Statement Fee | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| NSF/Overdraft Paid Fee (per presented item)\ \ | $35Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
ATM & Card | |||
| Non-GCB ATM Withdrawal fee (Not applicable at Community Cash ATMs) | $1.50Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| ATM/Debit Card (reissue card) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| ATM/Debit Card Rush Order | $45Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Outgoing Domestic Wire Fee | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Domestic Wire Fee | $25Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Outgoing Foreign Wire Fee | $45Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Incoming Foreign Wire Fee | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Cashiers Checks | $8Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Orders | $5Above the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payments/Item Charge (via Digital Banking, Single Check Only) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Counter/Temporary Checks (5) | $1Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Collection Item | $25Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Deposit or Check Copy | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| Digital Bill Pay @ gulfbank.com | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Return Deposit Item Charge | $8Below the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Subpoena (Per Hour/One Hour Minimum) | $85Not compared: Charged per hour; comparison unavailable | per hour | None |
Other Fees | |||
| Loan payment by phone (ACH or Draft) | $10Below the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
vs. the U.S. middle 50%:BelowInsideAbove
per hour
per item
per hour
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Inactive/Dormant Account Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Research (per hour) | $35Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement | $4.85Inside the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Return Statement Fee | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| NSF/Overdraft Paid Fee (per presented item)\ \ | $35Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| NSF/Overdraft Return Fee (business accounts only / per presented item)\ \ | $35 | Not stated | None |
ATM & Card | |||
| Non-GCB ATM Withdrawal fee (Not applicable at Community Cash ATMs) | $1.50Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| ATM/Debit Card (reissue card) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| ATM/Debit Card Rush Order | $45Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Outgoing Domestic Wire Fee | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Domestic Wire Fee | $25Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Outgoing Foreign Wire Fee | $45Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Incoming Foreign Wire Fee | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Cashiers Checks | $8Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Orders | $5Above the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payments/Item Charge (via Digital Banking, Single Check Only) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Counter/Temporary Checks (5) | $1Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Collection Item | $25Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Deposit or Check Copy | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| Digital Bill Pay @ gulfbank.com | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Return Deposit Item Charge | $8Below the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Subpoena (Per Hour/One Hour Minimum) | $85Not compared: Charged per hour; comparison unavailable | per hour | None |
Other Fees | |||
| Loan payment by phone (ACH or Draft) | $10Below the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
Oct 12, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Gulf Coast Bank and Trust Company operates, and what regulators and customers have on file.
Branch footprint
24 offices in 4 states, $3.3B in branch deposits (June 2026)
Hover a state for its branch count.
Largest markets by deposits
| 14 | $2.2B | |
| 4 | $496.8M | |
| 1 | $403.0M | |
| 2 | $168.0M | |
| 1 | $73.4M | |
| 1 | $9.6M | |
| 1 | $826K |
New Orleans-Metairie, LA
6% of bank deposits, #6 of 32, up 1.5 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Capital One, National Association | 25.7% |
| Hancock Whitney Bank | 19.1% |
| JPMorgan Chase Bank, National Association | 18.7% |
| Regions Bank | 7.7% |
| First Horizon Bank | 6.1% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In New Orleans-Metairie, LA, Gulf Coast Bank and Trust Company holds 6% of bank deposits, #6 of 32, with 14 offices.
297 offices of 71 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
8 of 32 institutions shown. $36.0B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 6% share, 14 offices, #6 of 32
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
94 offices of 41 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Fee change alerts
We check once a day and send one email covering every change.