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
Unfavorable gap of $6.0M · efficiency ratio beats 87% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.45% | 0.60% | 1.01% | 1.45% | Beats 75% | 159 / 629 | | |
| Return on Equity | 14.04% | 5.38% | 9.30% | 13.28% | Beats 79% | 130 / 629 | | |
| Net Interest Margin | 3.73% | 3.03% | 3.54% | 4.05% | Beats 59% | 259 / 629 | | |
| Efficiency Ratio | 51.77% | 58.35% | 67.79% | 79.08% | Beats 87% | 83 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.46% | 1.20% | Beats 100% | 81 / 581 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 11.24% | 11.24% | 13.84% | 18.77% | Beats 25% | 472 / 629 | | |
| Total Risk-Based Capital Ratio | 11.24% | 11.58% | 14.43% | 19.66% | Beats 21% | 496 / 629 | | |
| Equity / Assets | 10.29% | 9.09% | 10.65% | 13.80% | Beats 44% | 352 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 87.00% | 67.24% | 80.90% | 93.48% | 63rd pctl | 222 / 594 | | |
| Loans / Assets | 74.25% | 53.31% | 67.71% | 78.15% | 64th pctl | 227 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |