| 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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 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% |
The full ratio pack is part of CharterBench Pro.
5 branches in 4 counties across 1 state (+3 vs 2025) · $213.0M branch deposits. Biggest market: Marion, FL, ranked 17th with 1.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Marion, FL | 2 | $132.2M | 1.29% | 17th |
| Monroe, FL | 1 | $44.9M | 0.96% | 9th |
| Highlands, FL | 1 | $23.5M | 0.79% | 10th |
| 1 more county with Pro → | ||||
Florida: 183rd with 0.02% · Ocala metro: 17th, 1.29% · Sebring metro: 10th, 0.79% ·
Branch count: 2022 1 · 2023 2 · 2024 2 · 2025 2 · 2026 5
Technology spend in line with peers (23 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).