This institution is no longer active

Operations ceased on September 24, 2009. CRA examination history below reflects the period it was active.

GULF COAST BANK

DALLAS, TX · Supervised by FDIC

Est. 1959FDIC #18,046RSSD: FDIC-18046

Part ofTEXAS IND BANCSHARES INC→ View all charters

Satisfactory Down

Current rating · Exam: October 2004

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.69%

Is this bank safe?

GULF COAST BANK holds a Satisfactory CRA rating (2004), meets basic financial requirements (ROA +0.69%).

Institution Profile

FDIC BankFind

Address

500 North Akard Street, Suite 4200, DALLAS, TX

County

Dallas County

Established

July 16, 1959

Total Assets

$106M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

October 1, 2004

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 21 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Download Evaluation Report (PDF)

Financial Snapshot

As of Q2 2009Call Report / FDIC

Total Assets

$106M

Total Deposits

$90M

Net Loans

$26M

Net Income

$384K

ROA

0.69%

Above avg for Small banks. Peer avg: 0.44%

ROE

5.07%

Risk-Based Capital

16.93%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA0.69%Peer avg: 0.44%▲ Above avg

Risk-Based Capital16.93%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate1.47%Peer avg: 6.90%▼ Fewer than avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	68	83.82%	1.47%
2020	214	71.5%	5.14%
2019	185	77.84%	11.89%
2018	217	81.57%	5.53%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Oct 2004	Satisfactory	Small Bank
Dec 1998	Outstanding	Small Bank
Feb 1995	Outstanding	Not Reported

2 previous ratings locked — back to 1991

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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