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Gulf Coast Bank and Trust Company

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Gulf Coast Bank and Trust Company Rates & Review April 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Gulf Coast Bank and Trust Company provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 23, 2026

You can compare Gulf Coast Bank and Trust Company rates to other rates in our database, including 12-month CD rates currently at 2.50%, 6-month CD rates at 3.45% and 3-month CD rates at 0.05%. Savings rates are at 0.40% and money market rates are at 0.03%. Mortgage rates on 30-year fixed loans are around 6.05%. All these rates can be compared to Gulf Coast Bank and Trust Company rates. MonitorBankRates evaluates the financial stability of Gulf Coast Bank and Trust Company with a 5.0 Star Rating, an B+ Overall Health Grade, and a Texas Ratio of 21.26%. Rates were last updated on 04/23/2026.

Gulf Coast Bank and Trust Company money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Gulf Coast Bank and Trust Company? Share your experience about Gulf Coast Bank and Trust Company by leaving a review below, or read customer reviews before you decide to use Gulf Coast Bank and Trust Company.

Overall Health & Safety Grade

B+

Good Health Score: 89/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

21.26%

Good Higher than avg

Gulf Coast Bank and Trust Company

200 Saint Charles Ave
New Orleans, LA 70130

https://www.gulfbank.com

Current Rate Availability

We do not have Gulf Coast Bank and Trust Company rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Gulf Coast Bank and Trust Company is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Gulf Coast Bank and Trust Company rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Gulf Coast Bank and Trust Company's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Gulf Coast Bank and Trust Company

FDIC Certificate # 32974

Address 200 Saint Charles Ave, New Orleans, LA 70130 · Orleans

Website https://www.gulfbank.com

Established 06/08/1990

FDIC Insurance Date 06/08/1990

Domestic Offices 38

Total Branches 38

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

B+

Overall Health Grade Score: 89/100

5.0

Exceptional Out of 5.0 Stars

21.26%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.0650%

Return on Equity (ROE) 13.4800%

Non-Performing Loans (NPL) 1.44%

Total Assets $3,630,639,000

Total Deposits $3,151,890,000

Equity Capital $310,958,000

Net Income $40,176,000

Headquarters New Orleans

Total Offices 38

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Gulf Coast Bank and Trust Company

Is Gulf Coast Bank and Trust Company a safe place to deposit money?

Yes, Gulf Coast Bank and Trust Company is considered a safe financial institution. With a Texas Ratio of 21.256575149144%, the institution's financial health is rated as stable. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does Gulf Coast Bank and Trust Company operate?

Gulf Coast Bank and Trust Company currently maintains approximately 38 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Gulf Coast Bank and Trust Company does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Gulf Coast Bank and Trust Company provides members with tools to manage their accounts and build a solid financial history.

Does Gulf Coast Bank and Trust Company offer online and mobile banking?

Most modern institutions like Gulf Coast Bank and Trust Company provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.gulfbank.com.