Gulf Atlantic Bank
Key West, FL · Cert 59181 · Peer group: banks under $1B in assets (n=581-629) · 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 70% of banks under $1B in assets (rank 190 of 629).
- Widest gap: net charge-offs / loans trails 80% of banks under $1B in assets (rank 468 of 581).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.66%
Rank 457 of 629
Net Interest Margin
3.94%
Rank 190 of 629
Efficiency Ratio
74.32%
Rank 417 of 629
Equity / Assets
8.96%
Rank 487 of 629
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.66% | 0.60% | 1.01% | 1.45% | Beats 27% | 457 / 629 | | |
| Return on Equity | 7.32% | 5.38% | 9.30% | 13.28% | Beats 35% | 411 / 629 | | |
| Net Interest Margin | 3.94% | 3.03% | 3.54% | 4.05% | Beats 70% | 190 / 629 | | |
| Efficiency Ratio | 74.32% | 58.35% | 67.79% | 79.08% | Beats 34% | 417 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.20% | 0.09% | 0.46% | 1.20% | Beats 65% | 204 / 581 | | |
| Net Charge-Offs / Loans | 0.10% | n/a | 0.01% | 0.06% | Beats 20% | 468 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 11.05% | 11.24% | 13.84% | 18.77% | Beats 24% | 481 / 629 | | |
| Total Risk-Based Capital Ratio | 11.84% | 11.58% | 14.43% | 19.66% | Beats 27% | 459 / 629 | | |
| Equity / Assets | 8.96% | 9.09% | 10.65% | 13.80% | Beats 23% | 487 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 89.87% | 67.24% | 80.90% | 93.48% | 69th pctl | 187 / 594 | | |
| Loans / Assets | 75.62% | 53.31% | 67.71% | 78.15% | 68th pctl | 201 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |