Gulf Coast Bank and Trust Company: SBA Lending Record
What SBA's own loan files show about Gulf Coast Bank and Trust Company as an SBA lender, and how a lender's record bears on a feasibility study.
The FY2017 to FY2026 record for Gulf Coast Bank and Trust Company runs to 900 approved loans and $812.7 million gross. The $812.7 million for Gulf Coast Bank and Trust Company counts approved dollars, not balances. Gulf Coast Bank and Trust Company appears only under SBA 7(a), with 900 loans. Under SBA 504, Gulf Coast Bank and Trust Company shows 0 loans. SBA records Gulf Coast Bank and Trust Company as holder, now or earlier, of 900 loans. The guarantee is SBA's, never Gulf Coast Bank and Trust Company's. Every one of the 900 loans counts toward Gulf Coast Bank and Trust Company because SBA shows it as holder. Gulf Coast Bank and Trust Company is an SBA 7(a) record of 900 loans, in program terms. Here, Gulf Coast Bank and Trust Company means the holder SBA names. Gulf Coast Bank and Trust Company's 900 loans span FY2017 to FY2026 approvals.
Gulf Coast Bank and Trust Company: where the loans sit
Gulf Coast Bank and Trust Company's classes run limited-service restaurant with 125 loans; full-service restaurant with 62 loans; child care center with 41 loans. 491 loans credited to Gulf Coast Bank and Trust Company sit outside every class we break out. Gulf Coast Bank and Trust Company's 900 loans extend past the classes above. Gulf Coast Bank and Trust Company lists 125 loans in limited-service restaurant. Gulf Coast Bank and Trust Company's states by loans: Texas with 192 loans; Florida with 152 loans; Louisiana with 83 loans. Gulf Coast Bank and Trust Company's sample for Texas sites is 192 loans. Gulf Coast Bank and Trust Company's counts are a map only.
Gulf Coast Bank and Trust Company: cancelled and charged-off loans
8.1% of Gulf Coast Bank and Trust Company approvals, FY2017 to FY2024, were cancelled. For Gulf Coast Bank and Trust Company, 8.1% is a floor. Gulf Coast Bank and Trust Company's floor stops at FY2024 approvals. Gulf Coast Bank and Trust Company shows no ceiling. Gulf Coast Bank and Trust Company falls under Loan Analytics' own rule. For Gulf Coast Bank and Trust Company, under 30 loans means no rate. Gulf Coast Bank and Trust Company: the cohort runs FY2017 to FY2021. Gulf Coast Bank and Trust Company's cohort holds 341 disbursed loans. 4.1% of Gulf Coast Bank and Trust Company loans are charged off to date. For Gulf Coast Bank and Trust Company, 4.1% is a floor. Gulf Coast Bank and Trust Company: the two rates cover different loans. Gulf Coast Bank and Trust Company: 2.3% charged off within 5 years.
Gulf Coast Bank and Trust Company: what a study must test
Gulf Coast Bank and Trust Company's $812.7 million and 900 loans are on record. At Gulf Coast Bank and Trust Company, demand comes first: who pays? For Gulf Coast Bank and Trust Company, cost is second; 900 loans do not replace a quote. For Gulf Coast Bank and Trust Company, third is debt service coverage. Gulf Coast Bank and Trust Company: 4.1% and 8.1% are floors. At Gulf Coast Bank and Trust Company, the appraisal comes last: 900 loans cannot set your value. Gulf Coast Bank and Trust Company's record cannot settle cost. Here Gulf Coast Bank and Trust Company is a holder, not a verdict. Gulf Coast Bank and Trust Company's 900 loans state nothing about its requirements. Ask Gulf Coast Bank and Trust Company directly. Test first, then compare with Gulf Coast Bank and Trust Company's 900 loans. Ask Gulf Coast Bank and Trust Company what a complete study contains.
SBA loans held by Gulf Coast Bank and Trust Company
SBA guarantees these loans; the lender does not. The lender's name and every figure come from the U.S. Small Business Administration's public 7(a) and 504 FOIA file (data.sba.gov).
7(a) lender is the bank or lender the loan is currently assigned to (or last held it), as SBA records it; 504 lender is the Certified Development Company (CDC). 504 third-party (first-lien) lenders are free text with no identifier and are not credited.
| Loans approved, FY2017 to FY2026 | 900 |
|---|---|
| Gross dollars approved | $812.7 million |
| SBA 7(a) loans | 900 |
| SBA 504 loans | 0 |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 8.1% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | withheld |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | 4.1% |
| Charged off within five years of approval | 2.3% |
| Loans in that cohort | 341 |
Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.
Loans by asset class
| Asset class | Loans |
|---|---|
| Not in any of the 39 asset classes | 491 |
| Limited-service restaurant | 125 |
| Full-service restaurant | 62 |
| Child care center | 41 |
| Fitness center | 36 |
| Assisted living (without nursing care) | 19 |
| Coffee shop and snack bar | 18 |
| RV park and campground | 13 |
| Beverage manufacturing (breweries, wineries, distilleries) | 11 |
| Gas station and truck stop | 8 |
| Car wash | 8 |
| Hotel and motel | 8 |
| Behavioral health and addiction treatment | 8 |
| Automotive mechanical repair (car and truck) | 8 |
| Medical office (physicians) | 8 |
| Beauty salon | 7 |
| Dental office | 5 |
| Liquor store | 5 |
Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.
Loans by project state
| State or area | Loans |
|---|---|
| Texas | 192 |
| Florida | 152 |
| Louisiana | 83 |
| California | 63 |
| North Carolina | 48 |
| Arizona | 26 |
| Oregon | 26 |
| Colorado | 25 |
| Utah | 24 |
| Nevada | 20 |
| New York | 20 |
| Maryland | 17 |
| Ohio | 16 |
| New Jersey | 15 |
| Tennessee | 15 |
| Georgia | 14 |
| South Carolina | 13 |
| Pennsylvania | 12 |
| Washington | 12 |
| Idaho | 11 |
| Illinois | 11 |
| Virginia | 11 |
| Michigan | 8 |
| Wyoming | 8 |
| Wisconsin | 7 |
| Alabama | 6 |
| Connecticut | 6 |
| Missouri | 5 |
States with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.
A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.
Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; Loan Analytics lender cell LP-fdic-32974.
Related feasibility study pages
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