Gulf Coast Bank & Trust

What Gulf Coast Bank & Trust does

Gulf Coast Bank & Trust Company is a privately-held community bank headquartered at 200 St. Charles Avenue in New Orleans, Louisiana. The institution traces its roots to American Savings, founded in 1883, and was taken over by a group of local investors led by Chairman and CEO Guy T. Williams in 1990 and rebranded under its current name. It serves individual consumers, small and medium businesses, nonprofits, educational institutions, and trust/fiduciary clients through 23 branch locations spanning Southeast Louisiana (New Orleans metro, Northshore, Westbank, St. Bernard, Baton Rouge), plus Miramar Beach, Florida and Orange Beach, Alabama, complemented by a Fiserv-powered digital banking platform available on iOS and Android.

The bank's product set spans deposit accounts (multiple checking tiers, savings, CDs, IRAs, HSAs), consumer and commercial lending (mortgages including VA/FHA/USDA/Conventional/Jumbo, SBA loans, business lines of credit, equipment finance through the KLC Financial subsidiary), and trust and wealth services. Trust administration, established in 1997 in Metairie, LA, manages approximately $955M in assets under management across personal trust, IRA/HSA administration, and institutional/employee benefit plans; investment and insurance products are distributed through a partnership with Arkadios Capital (FINRA/SIPC). The Education Services division provides tuition management and co-branded affinity debit cards to schools across LA, MS, AL, and FL.

Revenue is generated primarily through net interest income on loans and deposits, supplemented by deposit account fees (NSF $35, stop payment $30, domestic wire $25, foreign wire $45, paper statement $4.85, $12/month Select Checking), trust and fiduciary fees on the $955M asset base, and tuition management service fees. The bank monetizes through both a physical relationship-banking model (24+ commercial lenders, branch network, dedicated trust team) and digital channels including Zelle P2P, CardPlus fraud controls, CardSwap subscription management, My Money PFM, and mobile wallet support (Apple Pay, Google Pay, Samsung Pay). In 2025, the bank reported doubled net income year-over-year and was named the top private company in Louisiana by City Business.

Name

Gulf Coast Bank & Trust

Legal name

Gulf Coast Bank & Trust Company

Website

https://gulfbank.com

Company type

Private

Founded year

1990

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Gulf Coast Bank & Trust is a privately-held Louisiana community bank, founded 1883 and headquartered in New Orleans, operating 23 branches across Louisiana, Florida, and Alabama. It serves consumers, small and medium businesses, nonprofits, educational institutions, and trust/fiduciary clients with deposit, lending, mortgage, wealth, and tuition management services.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211), Funds, Trusts, and Other Financial Vehicles (525), Portfolio Management and Investment Advice (523940)

SIC

State Commercial Banks (6022)

akta.pro primary industry

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)

akta.pro secondary industries

Corporate & Institutional Trust Services (FSAAANAB), Corporate Trust Services (Trustee, Agent & Escrow Roles) (FSAEAKAB)

Keywords

• Retail banking services
• Commercial lending
• Community banking
• Trust services
• Mortgage lending

Headquarters

HQ city

New Orleans

HQ country

United States

HQ region

North America

Offices9 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

1. Net Interest Income: Interest income from personal and commercial loans including mortgages, home loans, business loans, and personal lending. Core revenue driver for the bank.
2. Deposit Account Fees: Monthly service charges, paper statement fees, overdraft fees, ATM fees, wire transfer fees, and other account-related service fees.
3. Trust and Fiduciary Services: Trust administration fees, investment management services, IRA administration, and employee benefits plan services. Trust department manages $955M in assets.
4. Tuition Management Services: Tuition fee management and collection services for educational institutions.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Gulf Coast Bank & Trust Company is a regional community bank providing personal and business banking products, including checking, savings, CDs, IRAs, home loans, personal lending, commercial lending, credit cards, trust and fiduciary services, wealth management, and tuition management. It serves customers across Southeast Louisiana, Florida, and Alabama through 23 branch locations and a Fiserv-powered digital banking platform.

Product overview

Gulf Coast Bank & Trust Company is a regional community bank headquartered in New Orleans, LA, offering a comprehensive suite of personal and business banking products organized around core deposit accounts, lending, trust and wealth management, and digital banking. Its deposit product line includes multiple checking variants (Free, Easy, Interest, Interest Checking Combo, Rewards, Select, Easy Student), savings accounts, CDs, IRAs, and HSAs — each tailored to specific customer segments (students, educators, seniors, businesses, nonprofits). Lending products span consumer loans, mortgages (VA, FHA, USDA, Conventional, Jumbo), commercial real estate, SBA loans, and business credit facilities. The trust and fiduciary division (est. 1997) provides personal trust administration, institutional employee benefit plan services, and investment management via a partnership with Arkadios Capital. Digital banking is delivered through a Fiserv-powered online and mobile platform featuring Zelle P2P payments, CardPlus card controls, CardSwap subscription payment management, My Money financial management, credit score monitoring, and mobile wallet integrations (Apple Pay, Google Pay, Samsung Pay). The bank also operates an Education Services division offering tuition management for schools, educator-specific banking products, and co-branded school affinity debit cards. Gulf Coast Bank serves customers across Southeast Louisiana, Florida, and Alabama through 23 branch locations.

Differentiator

Problem solved

Functional benefit

Brands

• GCB Education Services: Tuition management and collection services for educational institutions
• GCB Wealth Management

Products and services

• Personal Checking Solutions Checking account products for individual consumers including Free Checking, Easy Checking, Interest Checking, Interest Checking Combo, Rewards Checking, Select Checking, Educator Plus Checking, and Easy Student Checking variants with varying fee structures, interest earnings, and benefits.
• Business Checking Solutions Checking accounts designed for businesses including small businesses, commercial entities, and nonprofits with digital banking, lending, and cash management tools.
• Personal Savings Solutions Savings account products for individuals offering interest-earning options with various balance tiers and access through digital and mobile banking.
• Business Savings Solutions Savings products for business owners and commercial clients supporting business financial management alongside checking and lending services.
• Certificates of Deposit (CDs) Time deposit accounts with fixed terms and guaranteed returns, available for personal and business depositors.
• IRAs (Individual Retirement Accounts) Tax-advantaged retirement savings accounts including Traditional IRA, Roth IRA, Rollover IRA, Spousal IRA, and Inherited IRA options, administered locally by the bank's trust department.
• Home Loans / Mortgage Lending Residential mortgage lending including purchase loans and refinancing, with access to dedicated mortgage lenders and both branch and online application options. Programs include VA, FHA, USDA, Conventional, and Jumbo.
• Personal Lending Solutions Loan products for individuals including personal loans, lines of credit, and other credit facilities to meet consumer borrowing needs.
• Business Lending Solutions Commercial lending products including term loans, lines of credit, and SBA loans, with dedicated commercial lenders located throughout the bank's service area.
• Trust and Fiduciary Services Full-service trust department offering personal trust administration, institutional/employee benefit trust services, executor services, and investment management. Administered locally with main office in Metairie, LA, and trust assets grown from $50M to $955M.
• Wealth Management Investment management and brokerage services offered in partnership with Arkadios Capital (Member FINRA/SIPC), providing portfolio diversification, personalized investment portfolios, retirement solutions, and insurance products.
• Business Solutions (Cash Management) Cash management and business banking tools including desktop check scanner deposits, fraud detection, wire transfers, ACH payments, and recurring payment scheduling, accessible through Digital Banking.
• Nonprofit Solutions Banking products and services tailored for nonprofit organizations, including checking, savings, and operational accounts designed to meet the needs of community organizations.
• Institutional Trust / Employee Benefits Employee benefit plan services including plan design, implementation, daily valuation, and administration for retirement plans (401k, etc.), with IRS-approved prototype plan documents and custom investment program options.
• Education Services / Tuition Fee Management Specialized tuition management and collection services for educational institutions, including the GCB Education Services platform, educator-focused checking accounts, and co-branded school affinity card programs.
• HSA (Health Savings Account) Health Savings Account administration integrated with trust services, allowing clients to manage HSA investments alongside personal trust accounts.
• Consumer Credit Card Credit card products for consumers, including enrollment in digital banking access to manage the account online.
• Business Credit Card Business credit card products managed through the Fiserv SpendTrack portal for transaction monitoring and account management.
• KLC Financial Equipment and Capital Lending Equipment financing and capital partner services operated through the KLC Financial and KLC Capital Partners subsidiaries acquired in 2022, providing expanded commercial financing capabilities to business clients.

Quantifiable outcome

• Net income doubled during 2025
• +2 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

Feature3 records

Partnerships

Five partnerships are on record, tiered core.

• KLC Financial, Inc.coreStrategic or Co-development Partner · 10 August 2022Gulf Coast Bank & Trust Company acquired the assets of KLC Financial, Inc and KLC Capital Partners, LLC effective August 10, 2022. KLC continues to operate as a subsidiary with plans for expansion and no layoffs. This acquisition expanded the bank's financial services capabilities.
• KLC Capital Partners, LLCcoreStrategic or Co-development Partner · 10 August 2022Acquired alongside KLC Financial, Inc as part of the same transaction. KLC Capital Partners operates as part of the KLC subsidiary under Gulf Coast Bank & Trust.
• ZellecoreTechnology or IntegrationGulf Coast Bank has partnered with Zelle to provide fast and easy way to send and receive money with friends, family and people you know. Money transfers directly from account to enrolled recipients in minutes through digital banking or mobile app.
• FiservcoreTechnology or IntegrationDigital banking infrastructure provider powering online and mobile banking services, business credit card management, and self-service banking platforms.
• Arkadios CapitalcoreStrategic or Co-development PartnerWealth Management investment services offered through Arkadios Capital Member FINRA/SIPC. Insurance products offered through Arkadios Capital Member FINRA/SIPC or its licensed affiliates. Provides investment products for Select Checking customers.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Trustmark Corporation:
• Hancock Whitney Corporation: Hancock Whitney is the dominant regional bank across the Gulf Coast, with a Louisiana, Mississippi, Alabama, and Florida footprint that overlaps almost entirely with Gulf Coast Bank & Trust's markets. Both compete head-to-head for SMB, commercial, and trust relationships in Southeast Louisiana, and the two institutions are the most natural share-of-wallet comparisons for any customer in the New Orleans or Baton Rouge metros.
• Home Bank, Inc. Home Bank is a Lafayette-headquartered Louisiana community bank that competes directly with Gulf Coast Bank for personal and business deposits, mortgage lending, and small-business relationships across South Louisiana. Its similar size, similar commercial lender model, and similar community-bank positioning make it the cleanest in-state peer for benchmarking product, pricing, and footprint strategy.
• Red River Bancshares: Red River Bank is a Louisiana-chartered community bank serving the Baton Rouge and Lafayette markets with personal, business, and wealth services — overlapping directly with Gulf Coast Bank's Baton Rouge branches and commercial lending team. Comparable in scale and product mix, it is a primary competitor for both consumer and SMB wallet share in Louisiana.
• Investar Holding Corporation: Investar Bank is a Louisiana-based community bank with branch and commercial lender coverage across South Louisiana and East Texas, including Baton Rouge. It competes directly with Gulf Coast Bank for personal checking/savings, small-business banking, and mortgage production, and operates a comparable digital + branch distribution model.
• Origin Bancorp: Origin Bank is a Louisiana-chartered community bank with branches across Louisiana, Texas, Mississippi, and Alabama, directly overlapping Gulf Coast Bank's three-state footprint. Both target SMB and commercial customers through dedicated commercial lender teams and offer wealth and mortgage services, making Origin a like-for-like competitor for share of wallet.
• b1BANK: b1BANK (formerly Business First Bank) is a Louisiana-headquartered community bank focused on business banking, commercial lending, and treasury management across the state. It competes head-to-head with Gulf Coast Bank's 24+ commercial lender network for SMB and middle-market deposit and loan relationships in Baton Rouge and South Louisiana.

Broad incumbents

• Cadence Bank: Cadence Bank is a $50B+ regional bank with full Gulf South coverage, including Louisiana, Mississippi, Alabama, and Florida — overlapping every market Gulf Coast Bank serves. While not a community-bank niche specialist, Cadence competes aggressively on commercial lending, treasury management, and trust/wealth, setting the competitive ceiling on pricing and product capability for Gulf Coast Bank.
• First Horizon Corporation: First Horizon is a large regional bank with commercial and wealth operations across the Southeast, including Louisiana via its First Horizon Bank brand. It competes for larger commercial and CRE relationships in the same metros Gulf Coast Bank serves, and represents the kind of scale-driven competitor whose technology investment Gulf Coast Bank must keep pace with.

Market position

Strengths3 records

Weaknesses5 records

Competitive moat5 records

Key risks1 record

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UC14o2XewLx24IBnT0S534ig?view_as=subscriber
• Facebookfacebook.com/GulfCoastBank
• Instagraminstagram.com/gulfcoastbank
• Xx.com/gulfcoastbank
• LinkedInlinkedin.com/company/gulf-coast-bank-and-trust

Revenue estimate

Valuation estimate

Number of profiles

Profiles15 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A3 records

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Gulf Coast Bank & Trust