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This institution is no longer active

Operations ceased on April 2, 2020. CRA examination history below reflects the period it was active.

GOLD COAST BANK

ISLANDIA, NY · Supervised by FDIC

Est. 2008FDIC #58,654RSSD: FDIC-58654
Part ofGOLD COAST BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: October 2019

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.63%

Institution Profile

FDIC BankFind

Address

2929 Expressway Drive North, ISLANDIA, NY

County

Suffolk County

Established

March 10, 2008

Total Assets

$560M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

October 1, 2019

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 6 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q4 2019Call Report / FDIC

Total Assets

$560M

Total Deposits

$465M

Net Loans

$463M

Net Income

$4M

ROA

0.63%

ROE

6.02%

Risk-Based Capital

15.15%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate1.83%Peer avg: 7.63%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202427390.48%1.83%
202326689.1%3.01%
202240491.34%0.74%
202191691.59%1.53%
202090393.47%1.66%
201954390.42%2.95%
201843090.93%3.49%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

3 previous ratings locked — dating back to 2010

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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