Gulf Coast Bank and Trust Company
Headquartered in NEW ORLEANS, LA. Analysis based on 606 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $543.6M.
Total 7(a) loans
606
Total approved
$543.6M
Average loan
$897K
States funded in
43
Charge-off rate
0.84%
FY2020–FY2023 cohort
Paid-in-full rate
25.77%
Average rate
8.52%
Average term
163 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 722513 | Limited-Service Restaurants | 100 |
| 722511 | Full-Service Restaurants | 38 |
| 713940 | Fitness and Recreational Sports Centers | 31 |
| 624410 | Child Day Care Services | 28 |
| 812199 | Other Personal Care Services | 25 |
| 561730 | Landscaping Services | 21 |
| 722515 | Snack and Nonalcoholic Beverage Bars | 13 |
| 623312 | Homes for the Elderly | 11 |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 9 |
| 238210 | Electrical Contractors | 8 |
Top 10 states
| State | Loans |
|---|---|
| TX | 126 |
| FL | 105 |
| CA | 39 |
| LA | 37 |
| NC | 36 |
| CO | 23 |
| AZ | 20 |
| NV | 19 |
| UT | 17 |
| MD | 14 |
Top franchise brands financed
215 franchise loans across 114 distinct brands.
| Franchise | Loans |
|---|---|
| The NOW Massage | 21 |
| The Great Greek Mediterranean | 15 |
| Killer Burger | 10 |
| Firehouse Subs | 8 |
| Marco's Pizza | 7 |
| F45 Training | 5 |
| Mayweather Boxing & Fitness | 4 |
| Rukus Cycling Studio | 3 |
| Jimmy John's | 3 |
| Jinya Ramen Bar | 3 |
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Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.