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Gulfside Bank

Sarasota, FL · Cert 59140

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

30

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

71

Q2 2024Q2 2026peer median (50)

Liquidity

72

Q2 2024Q2 2026peer median

Efficiency

87

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Gulfside Bank

Sarasota, FL · Cert 59140

State charter, non-member · FDIC · 2 branches

Q2 2026

$344.6MAssets
$255.9MLoans
$294.1MDeposits
$35.5MEquity
Loan mix
94%RE $219.1M6%C&I $13.8M0%Consumer $0.3MQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $217.6M26%Noninterest $76.5MQ2 2025Q2 2026

NIM

4.93%Q2 ’245.19%Q2 ’255.30%Q2 ’26+12%+1%

Non-interest income vs. expense

2.16%Q2 ’242.36%Q2 ’252.13%Q2 ’26+16%-15%

Market Position · North Port-Bradenton-Sarasota, FL · 2026 SOD (annual) · 1.0% share · #21 of 40 inst. · $0.3B of $29.1B

Executive Summary

  • Earnings: ROA of 1.45%, up 27 bps year over year; NIM at 3.73%.
  • Asset quality: problem loans at 0.00% of loans (-6 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.24%, up 90 bps from a year ago.
  • Funding: loans stand at 87.00% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.45%+27 bps YoY

Net Interest Margin (YTD, annualized)

3.73%+5 bps YoY

Efficiency Ratio (YTD, annualized)

51.77%-756 bps YoY

Tier 1 Leverage Ratio

11.24%+90 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.18%1.20%1.27%1.25%1.45%+27 bps
Return on Equity13.32%13.44%13.90%12.97%14.74%+141 bps
Net Interest Margin3.67%3.61%3.42%3.65%3.73%+5 bps
Efficiency Ratio59.33%58.20%56.81%55.58%51.77%-756 bps
Non-Interest Burden2.05%1.96%1.81%1.92%1.74%-31 bps
Growth
Asset Growth (YoY)11.47%19.91%10.08%13.10%9.19%-228 bps
Loan Growth (YoY)16.88%15.14%7.54%8.81%12.57%-431 bps
Deposit Growth (YoY)10.32%15.83%4.19%8.14%3.46%-687 bps
Asset Quality
Nonperforming Loans / Loans0.06%0.06%0.02%0.02%0.00%-6 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.08%1.09%1.09%1.07%1.05%-3 bps
Allowance Coverage of NPLs17.7x18.2x61.5x63.1xn/an/a
Capital
Tier 1 Leverage Ratio10.33%10.52%10.42%11.04%11.24%+90 bps
Total Risk-Based Capital10.33%10.52%10.42%11.04%11.24%+90 bps
Equity / Assets9.06%8.93%10.05%9.29%10.29%+124 bps
Liquidity & Funding
Loans / Deposits79.96%79.08%84.49%76.96%87.00%+704 bps
Liquid Assets / Assets13.40%14.18%9.06%16.36%8.76%-464 bps
CRE / Total Capitaln/a392%392%404%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Gulfside Bank

Sarasota, FL · Cert 59140 · Peer group: banks under $1B in assets (n=581-629)

State charter, non-member · FDIC · 2 branches

Q2 2026

$344.6MAssets
$255.9MLoans
$294.1MDeposits
$35.5MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 581).
  • Widest gap: total risk-based capital ratio trails 79% of banks under $1B in assets (rank 496 of 629).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.45%

Rank 159 of 629

Net Interest Margin

3.73%

Rank 259 of 629

Efficiency Ratio

51.77%

Rank 83 of 629

Equity / Assets

10.29%

Rank 352 of 629

Non-interest income vs. expense

$1.4M$7.3MINCOMEEXPENSE
Unfavorable gap of $6.0M · efficiency ratio beats 87% of banks under $1B in assets
Bank 51.77%Peer median 67.8%Q4 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.45%0.60%1.01%1.45%Beats 75%159 / 629
Return on Equity14.04%5.38%9.30%13.28%Beats 79%130 / 629
Net Interest Margin3.73%3.03%3.54%4.05%Beats 59%259 / 629
Efficiency Ratio51.77%58.35%67.79%79.08%Beats 87%83 / 629
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.46%1.20%Beats 100%81 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio11.24%11.24%13.84%18.77%Beats 25%472 / 629
Total Risk-Based Capital Ratio11.24%11.58%14.43%19.66%Beats 21%496 / 629
Equity / Assets10.29%9.09%10.65%13.80%Beats 44%352 / 629
Liquidity & Funding
Loans / Deposits87.00%67.24%80.90%93.48%63rd pctl222 / 594
Loans / Assets74.25%53.31%67.71%78.15%64th pctl227 / 629
Brokered Deposits / Depositsn/aNot reported for this institution