Gulf Atlantic Bank
Key West, FL · Cert 59181 · Peer group: banks under $1B in assets (n=573-620) · Gulf Atlantic Financial Corp.
State charter, Fed member · FED · 5 branches
Q2 2026
$253.2MAssets
$191.4MLoans
$213.0MDeposits
$22.7MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 71% of banks under $1B in assets (rank 179 of 620).
- Widest gap: net charge-offs / loans trails 82% of banks under $1B in assets (rank 468 of 573).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.66%
Rank 447 of 620
Net Interest Margin
3.94%
Rank 179 of 620
Efficiency Ratio
74.32%
Rank 408 of 620
Equity / Assets
8.96%
Rank 475 of 620
Non-interest income vs. expense
Unfavorable gap of $7.2M · efficiency ratio beats 34% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.66% | 0.60% | 1.00% | 1.45% | Beats 28% | 447 / 620 | |
| Return on Equity | 7.32% | 5.30% | 9.30% | 13.29% | Beats 35% | 400 / 620 | |
| Net Interest Margin | 3.94% | 3.02% | 3.53% | 4.04% | Beats 71% | 179 / 620 | |
| Efficiency Ratio | 74.32% | 58.35% | 68.08% | 79.37% | Beats 34% | 408 / 620 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.20% | 0.09% | 0.47% | 1.27% | Beats 66% | 197 / 573 | |
| Net Charge-Offs / Loans | 0.10% | n/a | 0.01% | 0.06% | Beats 18% | 468 / 573 | |
| Capital |
| Tier 1 Capital Ratio | 11.05% | 11.27% | 13.87% | 18.78% | Beats 23% | 476 / 620 | |
| Total Risk-Based Capital Ratio | 11.84% | 11.69% | 14.57% | 19.67% | Beats 27% | 455 / 620 | |
| Equity / Assets | 8.96% | 9.03% | 10.60% | 13.73% | Beats 23% | 475 / 620 | |
| Liquidity & Funding |
| Loans / Deposits | 89.87% | 65.08% | 79.69% | 92.47% | 70th pctl | 177 / 585 | |
| Loans / Assets | 75.62% | 51.85% | 67.17% | 77.86% | 69th pctl | 191 / 620 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |