Gulf Coast Business Bank

Fort Myers, FloridaFDIC Cert #59281

STATEEstablished 20221 branch

Holding company: Not reportedRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$51.9M
Investor CRE	$39.1M
Multifamily	$3.85M
Construction	$20.8M
1–4 family	$8.63M
C&I	$23.4M
Agriculture	$3.84M
Other

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$151M

+49.1%y/y

Percentile by value73rd percentileby value

FDICLNLSGR

Net loans

$149M

+49.1%y/y

Percentile by value73rd percentileby value

FDICLNLSNET

Loans YoY

+49.12%

−18.3%y/y

Percentile by value98th percentileby value

FDICLNLSNET

L/D

89.9%

+1.6%y/y

Percentile by value80th percentileby value

FDICLNLSNET + DEP

Loans/assets

77.7%

+1.1%y/y

Percentile by value83rd percentileby value

FDICLNLSNET + ASSET

RE loans %

84.75%

−1.5%y/y

Percentile by value59th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

2,316points

+3.5%y/y

Peer standing53rd percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

34.31%

−0.2%y/y

Percentile by value97th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

25.81%

+10.9%y/y

Percentile by value91st percentileby value

FDICLNRENROT + LNLSGR

C&I %

15.43%

+9.0%y/y

Percentile by value77th percentileby value

FDICLNCI + LNLSGR