GULF ATLANTIC BANK

KEY WEST, FL | Small | Est. April 13, 2020, midnight | FDIC #59181 | RSSD #5475452 | FED
Latest Report: 2025-12-31

GULF ATLANTIC BANK is asn small FDIC-insured commercial bank headquartered in KEY WEST, FL, established in April 13, 2020, midnight. As of 2025-12-31, the bank reported total assets of $233M and total deposits of $186M. Profitability stands at 0.86% ROA and 10.02% ROE, with a net interest margin of 4.58%. The bank's CET1 capital ratio is 8.69%. Asset quality metrics show a non-performing loan ratio of 0.32% and a Texas Ratio of 2.78%. FDIC Certificate #59181.

Assets

$233M

Deposits

$186M

Loans

$191M

Equity

$20M

Profitability

Return on Assets (ROA) 0.86%
Return on Equity (ROE) 10.02%
Net Interest Margin (NIM) 4.58%
Yield on Assets 7.27%
Cost of Funds 2.77%

Asset Quality

NPL Ratio 0.32%
Net Charge-Off Ratio 0.25%
Texas Ratio 2.78%
NPA Ratio 0.26%
ACL / Loans 0.92%

Capital & Liquidity

CET1 Ratio 8.69%
Tier 1 Capital 8.69%
Total Capital Ratio 9.12%
Leverage Ratio 9.35%
Loan-to-Deposit 102.70%

This is just the summary

The full dashboard covers 4,313 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Excel tearsheet exports
Peer benchmarking
Risk & failure probability
Create Free Account

No credit card required