What are the current interest rates at Gulf Coast Business Bank?

Current rates for Gulf Coast Business Bank include: 12-Month CD: 4.24%, MMA: 3.82%

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Gulf Coast Business Bank Rates & Review October 2026

Q: How many branches does Gulf Coast Business Bank operate?

Gulf Coast Business Bank currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Gulf Coast Business Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 11, 2026

Gulf Coast Business Bank's top rates as of October 11, 2026 are 4.24% APY on its 12-Months 12-Month CD, 3.82% APY on money market accounts, and 3.05% APY on checking, according to rates verified by MonitorBankRates. Other Gulf Coast Business Bank CD rates include 6-Months 6-Month CD at 3.82%. MonitorBankRates evaluates the financial stability of Gulf Coast Business Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.00%. Rates last updated and verified on 10/11/2026.

Gulf Coast Business Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Gulf Coast Business Bank? Share your experience about Gulf Coast Business Bank by leaving a review below, or read customer reviews before you decide to use Gulf Coast Business Bank.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.00%

Perfect Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Gulf Coast Business Bank

12205 Metro Pkwy
Fort Myers, FL 33966

https://www.gcbbswfl.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Gulf Coast Business Bank CD Rates

Product	Rate	APY	Term
12 MONTH CD	-	4.24%	12 months
No additional details. Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 4.24% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
6 MONTH CD	-	3.82%	6 months
No additional details. Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 3.82% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

Gulf Coast Business Bank Business Money Market Rates

Product	Rate	APY	View More
Commercial MONEY MARKET	-	3.82%
No additional details. Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 3.82% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

Gulf Coast Business Bank Checking Rates

Product	Rate	APY	View More
Coastal Checking Account	-	3.05%
Min Deposit $500 Min Balance $20,001 Details Up to 3.05% Annual Percentage Yield on Balances up to $20,001; No Monthly Service Fee; Paperless Banking; Free Online & Mobile Banking Last Updated 10/11/2026 Rate History No change since Sep 27, 2026 · 3.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

Gulf Coast Business Bank Business Checking Rates

Product	Rate	APY	View More
Commercial COASTAL CHECKING	-	3.05%
No additional details. Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 3.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Gulf Coast Business Bank’s Texas Ratio stayed near 0.00% in Q3 2023 to 0.00% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$187M	0.00%	5.0	A+
March 31, 2026	$192M	0.00%	5.0	A+
December 31, 2025	$181M	15.81%	4.9	A-
September 30, 2025	$155M	0.00%	5.0	A+
June 30, 2025	$148M	0.00%	5.0	A+
March 31, 2025	$130M	0.00%	5.0	A+
December 31, 2024	$112M	0.00%	5.0	A+
September 30, 2024	$103M	0.00%	5.0	A+
June 30, 2024	$92M	0.00%	5.0	A+
March 31, 2024	$87M	0.00%	5.0	A+
December 31, 2023	$84M	0.00%	5.0	A+
September 30, 2023	$78M	0.00%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Gulf Coast Business Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Gulf Coast Business Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Gulf Coast Business Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Gulf Coast Business Bank

FDIC Certificate # 59281

Address 12205 Metro Pkwy, Fort Myers, FL 33966 · Lee

Website https://www.gcbbswfl.com

Established 20220606

FDIC Insurance Date 20220606

Domestic Offices 1

Total Branches 1

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.00%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.3740%

Return on Equity (ROE) 2.7400%

Non-Performing Loans (NPL) 0.00%

Total Assets $186,552,000

Total Deposits $160,284,000

Equity Capital $25,619,000

Net Income $349,000

Headquarters Fort Myers

Total Branches and Offices 1

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Gulf Coast Business Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://www.monitorbankrates.com/banks/gulf-coast-business-bank-rates-review-59281">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Gulf Coast Business Bank

How many branches does Gulf Coast Business Bank operate?

Gulf Coast Business Bank currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Gulf Coast Business Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Gulf Coast Business Bank provides members with tools to manage their accounts and build a solid financial history.

Does Gulf Coast Business Bank offer online and mobile banking?

Most modern institutions like Gulf Coast Business Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.gcbbswfl.com.