Gulf Coast Bank and Trust Company
One of the largest community banks in Southeast Louisiana, offering comprehensive checking, savings, personal loans, home loans, business loans, trust, and brokerage services with 37 locations and 891 employees.
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Data source: SBA 7(a) FOIA loan-level data, covering activity through June 30, 2026 across the trailing 3 years (80 loan records for this lender). Refreshed quarterly from public loan-level records; figures are not supplied or reviewed by the lender.
Gulf Coast Bank and Trust Company ranks #44 of 564 SBA 7(a) lenders nationally by acquisition-loan volume.
Most of Gulf Coast Bank and Trust Company’s 7(a) acquisition lending falls in the $500K-$1M range: 30 loans, 37.5% of the portfolio.
| Loan size | Share of loans | Loans | % of portfolio |
|---|---|---|---|
| $0-$500K | 18 | 22.5% | |
| $500K-$1M | 30 | 37.5% | |
| $1M-$2M | 16 | 20.0% | |
| $2M-$3M | 11 | 13.8% | |
| $3M-$4M | 5 | 6.3% |
Industries with highest loan volume
Limited-Service Restaurants
7
loans
$1.0M
avg. amount
Landscaping Services
6
loans
$1.5M
avg. amount
Assisted Living Facilities for the Elderly
4
loans
$2.0M
avg. amount
Offices of Certified Public Accountants
3
loans
$657K
avg. amount
Sign Manufacturing
2
loans
$544K
avg. amount
Local Messengers and Local Delivery
2
loans
$1.2M
avg. amount
Commercial and Industrial Machinery and Equipment (except Automotive and Electronic) Repair and Maintenance
2
loans
$995K
avg. amount
Insurance Agencies and Brokerages
2
loans
$504K
avg. amount
All Other Miscellaneous Manufacturing
2
loans
$2.5M
avg. amount
Full-Service Restaurants
2
loans
$615K
avg. amount
10-Year
0.5%
Percentile Ranking
82th
82th percentile
Gulf Coast Bank and Trust Company’s median variable rate is + 2.50%, against a market median of Prime + 1.88%, 63 above market.
It priced below the market median in 0 of the last 8 quarters. 1 of the 80 loans in its trailing three-year book carried a fixed rate; the rest were variable.
| Loan Size | Avg Rate |
|---|---|
| $0-$500K | Prime + 2.53% |
| $500K-$1M | Prime + 2.53% |
| $1M-$2M | Prime + 2.47% |
| $2M-$3M | Prime + 2.45% |
| $3M-$4M | Prime + 2.50% |
over at time of loan origination
| Quarter | This lender | Market median | Market range | Loans |
|---|---|---|---|---|
| Q2 '24 | Prime + 2.25% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 7 |
| Q3 '24 | Prime + 2.38% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 6 |
| Q4 '24 | Prime + 2.75% | Prime + 2.25% | Prime + 1.50% – Prime + 2.75% | 6 |
| Q1 '25 | Prime + 2.63% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 4 |
| Q3 '25 | Prime + 2.50% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 7 |
| Q4 '25 | Prime + 2.50% | Prime + 2.25% | Prime + 1.67% – Prime + 2.75% | 7 |
| Q1 '26 | Prime + 2.75% | Prime + 2.00% | Prime + 1.50% – Prime + 2.50% | 3 |
| Q2 '26 | Prime + 2.63% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 4 |
Gulf Coast Bank and Trust Company has originated 7(a) acquisition loans in 20 states, most actively in Florida (13), California (13) and Texas (11). Darker states on the map carry more volume.
| State | Loans | % of Total |
|---|---|---|
| Florida | 13 | 16.3% |
| California | 13 | 16.3% |
| Texas | 11 | 13.8% |
| North Carolina | 7 | 8.8% |
| Oregon | 5 | 6.3% |
| Pennsylvania | 5 | 6.3% |
| Louisiana | 4 | 5.0% |
| Kansas | 3 | 3.8% |
| Utah | 3 | 3.8% |
| Virginia | 3 | 3.8% |
| Colorado | 2 | 2.5% |
| New York | 2 | 2.5% |
| Arizona | 2 | 2.5% |
| Nevada | 1 | 1.3% |
| Massachusetts | 1 | 1.3% |
| Maryland | 1 | 1.3% |
| Missouri | 1 | 1.3% |
| New Jersey | 1 | 1.3% |
| Nebraska | 1 | 1.3% |
| Illinois | 1 | 1.3% |
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