GULFSIDE BANK

SARASOTA, FL | Small | Est. Nov. 13, 2018, midnight | FDIC #59140 | RSSD #5303724 | FDIC
Latest Report: 2025-12-31

GULFSIDE BANK is asn small FDIC-insured commercial bank headquartered in SARASOTA, FL, established in Nov. 13, 2018, midnight. As of 2025-12-31, the bank reported total assets of $321M and total deposits of $274M. Profitability stands at 1.45% ROA and 15.25% ROE, with a net interest margin of 3.97%. The bank's CET1 capital ratio is 9.99%. Asset quality metrics show a non-performing loan ratio of 0.02% and a Texas Ratio of 0.12%. FDIC Certificate #59140.

Assets

$321M

Deposits

$274M

Loans

$231M

Equity

$32M

Profitability

Return on Assets (ROA) 1.45%
Return on Equity (ROE) 15.25%
Net Interest Margin (NIM) 3.97%
Yield on Assets 6.00%
Cost of Funds 2.08%

Asset Quality

NPL Ratio 0.02%
Net Charge-Off Ratio --
Texas Ratio 0.12%
NPA Ratio 0.01%
ACL / Loans 1.09%

Capital & Liquidity

CET1 Ratio 9.99%
Tier 1 Capital 9.99%
Total Capital Ratio 10.49%
Leverage Ratio 10.42%
Loan-to-Deposit 84.49%

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