| Metric | Gulf Atlantic Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +29.4% | +4.4% | +25.1 pts |
| Deposit growth (YoY) | +29.4% | +4.0% | +25.5 pts |
| Loan growth (YoY) | +26.7% | +5.6% | +21.1 pts |
| ROA | 0.68% | 1.24% | -0.6 pts |
| ROE | 7.7% | 11.9% | -4.1 pts |
ROA ranks in the 19th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $253.2M | $213.0M | $189.7M | $22.7M | $831K | 0.68% | 4.44% | 0.15% |
| Q1 2026 | $245.2M | $206.2M | $189.2M | $21.5M | $523K | 0.87% | 4.66% | 0.00% |
| Q4 2025 | $233.1M | $186.2M | $189.4M | $20.3M | $1.6M | 0.82% | 4.58% | 0.26% |
| Q3 2025 | $209.0M | $181.5M | $160.6M | $17.8M | $1.1M | 0.81% | 4.62% | 0.05% |
| Q2 2025 | $195.6M | $164.6M | $149.7M | $16.6M | $746K | 0.82% | 4.53% | 0.00% |
| Q1 2025 | $178.1M | $158.2M | $135.0M | $15.5M | $437K | 1.00% | 4.58% | 0.06% |
| Q4 2024 | $173.0M | $155.7M | $131.5M | $13.1M | $648K | 0.41% | 3.74% | 0.00% |
| Q3 2024 | $169.8M | $141.4M | $119.9M | $13.0M | $336K | 0.29% | 3.49% | 0.00% |
Loan mix (Q2 2026): real estate $151.8M · commercial $19.6M · consumer $20.5M · securities $22.7M
| Ratio | Gulf Atlantic Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.68% | 1.24% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | 7.7% | 11.9% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.44% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.3% | 62.9% | 77th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Gulf Atlantic Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Gulf Atlantic Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Gulf Atlantic Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Gulf Atlantic Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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