| Metric | Gulfside Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.2% | +4.4% | +4.8 pts |
| Deposit growth (YoY) | +3.5% | +4.0% | -0.5 pts |
| Loan growth (YoY) | +12.6% | +5.6% | +7.0 pts |
| ROA | 1.45% | 1.24% | +0.2 pts |
| ROE | 14.7% | 11.9% | +2.9 pts |
ROA ranks in the 64th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $344.6M | $294.1M | $253.2M | $35.5M | $2.5M | 1.45% | 3.92% | 0.13% |
| Q1 2026 | $362.3M | $313.5M | $238.7M | $33.7M | $1.1M | 1.25% | 3.74% | 0.01% |
| Q4 2025 | $321.1M | $273.6M | $228.6M | $32.3M | $4.0M | 1.27% | 3.85% | 0.01% |
| Q3 2025 | $337.0M | $293.6M | $229.7M | $30.1M | $2.8M | 1.20% | 3.81% | 0.04% |
| Q2 2025 | $315.6M | $284.3M | $224.8M | $28.6M | $1.8M | 1.18% | 3.92% | 0.04% |
| Q1 2025 | $320.4M | $289.9M | $219.4M | $27.6M | $849K | 1.11% | 3.84% | 0.04% |
| Q4 2024 | $291.7M | $262.5M | $212.6M | $26.2M | $3.6M | 1.26% | 3.75% | 0.05% |
| Q3 2024 | $281.1M | $253.5M | $199.4M | $26.1M | $2.7M | 1.28% | 3.69% | 0.00% |
Loan mix (Q2 2026): real estate $232.4M · commercial $14.2M · consumer $292K · securities $58.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Gulfside Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.45% | 1.24% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 14.7% | 11.9% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.92% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.8% | 62.9% | 20th |
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 | Gulfside 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 | Gulfside 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 | Gulfside 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 | Gulfside 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.