--- title: Gulf Coast Business Bank url: https://lender.report/lender/gulf-coast-business-bank-fl/ as_of: 2026-06-30 data_version: 2026-11-12.1 license: https://lender.report/license/ is_paid: false label: Unverified listing listing_state: unverified status: operating ids: {fdic: 59281, rssd: 5724226, ncua: null, lei: null} --- # Gulf Coast Business Bank > Unverified listing. Built from public records. The lender has not reviewed the page. Every lender starts this way, and it says nothing about the lender itself. Claiming is free. **Cite this:** Source: The Lender Report, Gulf Coast Business Bank, https://lender.report/lender/gulf-coast-business-bank-fl/, data as of June 30, 2026. Bank, Fort Myers, FL. Regulator: FDIC. Identifiers: FDIC certificate 59281; RSSD 5724226. ## Facts, each with its source and date - Reported $186.6M in total assets as of June 30, 2026 (FDIC call report). - Held $147M of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report). - Held $55.5M of owner-occupied commercial real estate loans as of June 30, 2026, up 20.4% from a year earlier (FDIC call report). - Held $38.5M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 27.6% from a year earlier (FDIC call report). - Held $27.1M of commercial and industrial loans as of June 30, 2026, up 63.9% from a year earlier (FDIC call report). - Recorded 9 SBA 7(a) approvals totaling $11.4M from October 1, 2023 to September 30, 2026 (SBA). - Provided the first lien on 14 SBA 504 projects with $18M in first-lien dollars from October 1, 2023 to September 30, 2026 (SBA). - Estimated legal lending limit of about $4M (estimate, 15% of tier 1 capital plus allowance, June 30, 2026 FDIC call report). - Listed 1 office in 1 state (FDIC). - Held 35 commercial and industrial loans that were $1 million or less when made, with a balance of $7M as of June 30, 2026 (FDIC call report). These are loans held, not loans made. - Held 42 loans secured by nonfarm nonresidential property that were $1 million or less when made, with a balance of $20.9M as of June 30, 2026 (FDIC call report). These are loans held, not loans made. - Reported commitments to fund construction loans that had not been drawn at June 30, 2026: $3M for 1-4 family and $3.7M for commercial and other construction (FFIEC Call Report). A commitment is not a loan made. ## What it holds (June 30, 2026) Balances held as filed. Not loans made. | Book | Holds | Of its loans | Year over year | | --- | --- | --- | --- | | Multifamily | $5.91M | 3.74% | +143.6% | | Construction and land development | $16.3M | 10.33% | +5.7% | | Owner-occupied CRE | $55.5M | 35.11% | +20.4% | | Non-owner-occupied CRE | $38.5M | 24.34% | +27.6% | | Farmland | $3.76M | 2.38% | +11.6% | | Commercial and industrial | $27.1M | 17.16% | +63.9% | ## Loans on record | Kind of loan | Period | Loans made | Dollars | Source | | --- | --- | --- | --- | --- | | SBA 7(a), net of cancelled | 36 months to September 30, 2026 | 9 | $11.4M | SBA FOIA | | SBA 504 first lien, net of cancelled | 36 months to September 30, 2026 | 14 | $18.0M | SBA FOIA | ## Recent recorded loans, coarsened Place is the county or the state, amounts are rounded to 2 significant figures, and no borrower is named. | When | Place | Loan | Amount | Rate | Term (months) | Source | | --- | --- | --- | --- | --- | --- | --- | | Sep 2026 | Florida | SBA 7(a), Offices of Other Holding Companies | $350K | 9.25% | 120 | SBA FOIA | | Aug 2026 | Florida | SBA 7(a), Snack and Nonalcoholic Beverage Bars | $260K | 9.75% | 120 | SBA FOIA | | Dec 2025 | Florida | SBA 7(a), Electrical Contractors and Other Wiring Installation Contractors | $1.40M | 9.5% | 120 | SBA FOIA | | Nov 2025 | Florida | SBA 7(a), Sporting Goods Retailers | $420K | 10% | 120 | SBA FOIA | | May 2025 | Florida | SBA 7(a), Plumbing, Heating, and Air-Conditioning Contractors | $1.10M | 10% | 120 | SBA FOIA | | Apr 2025 | Florida | SBA 504, Automotive Body, Paint, and Interior Repair and Maintenance | $590K | not reported | 300 | SBA FOIA | | Apr 2025 | Florida | SBA 504, Roofing Contractors | $410K | not reported | 300 | SBA FOIA | | Mar 2025 | Florida | SBA 7(a), Other Building Equipment Contractors | $4.20M | 2% | 120 | SBA FOIA | | Feb 2025 | Florida | SBA 504, All Other Specialty Trade Contractors | $1.10M | not reported | 300 | SBA FOIA | | Dec 2024 | Florida | SBA 7(a), Other Foundation, Structure, and Building Exterior Contractors | $770K | 9.75% | 120 | SBA FOIA | ## Where it lends 1 offices in 1 states (October 28, 2026). ## Not a rating Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits. | Measure | Value | How it is worked out | | --- | --- | --- | | Estimated largest single loan | $4.00M | Estimate from reported capital, not a limit the lender has stated. | | Loans to assets | 84.69% | Total loans divided by total assets | | Loans to deposits | 98.57% | Total loans divided by total deposits | ## What we do not know - Whether this lender is taking new loans today. - Its underwriting limits and fees, unless it has told us. - Whether it takes brokers, beyond what the public record shows. - A balance is what a lender holds as filed. It is not a loan made. ## How to reach them - Website: https://www.gcbbswfl.com (from the regulator record or the lender's own site) - Regulator record: https://banks.data.fdic.gov/bankfind-suite/bankfind/details/59281 ## For the record Data as of June 30, 2026. Data release 2026-11-12.1. Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. We publish data about lenders and sell advertising. We are not a bank or lender, and we do not make credit decisions, take applications, negotiate terms or arrange loans through this site. Using this site creates no broker, advisory or fiduciary relationship. Commercial-purpose loans only. Nothing here is an offer to lend or a promise that any lender will offer you a loan. The Lender Report is not affiliated with, endorsed by or acting for the FDIC, NCUA, FFIEC, CFPB, SBA, HUD or any government agency. Certificate and charter numbers identify institutions only. The Lender Report is operated by JPro Labs LLC. The Lender Report is not a bank or a lender. It does not make loans or credit decisions. Listings are built from public records. Page: https://lender.report/lender/gulf-coast-business-bank-fl/ License: https://lender.report/license/