Bank Comparison
Charlevoix State Bank vs Gulf Atlantic Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
17 · 6
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Charlevoix State Bank | Gulf Atlantic Bank |
|---|---|---|
| CET1 Ratio | 18.50% | 10.50% |
| Tier 1 Capital Ratio | 18.50% | 10.50% |
| Total Capital Ratio | 19.62% | 11.36% |
| Tier 1 Leverage Ratio | 10.43% | 8.98% |
| Equity / Assets | 9.79% | 8.77% |
Profitability
| Metric | Charlevoix State Bank | Gulf Atlantic Bank |
|---|---|---|
| Return on Assets (ROA) | 2.09% | 0.84% |
| Return on Equity (ROE) | 21.00% | 10.02% |
| Net Interest Margin (NIM) | 4.60% | 4.40% |
| Yield on Earning Assets | 5.16% | 6.88% |
| Cost of Funds | 0.57% | 2.72% |
Asset quality
| Metric | Charlevoix State Bank | Gulf Atlantic Bank |
|---|---|---|
| Texas Ratio | 1.56% | 0.00% |
| Non-Performing Loan Ratio | 0.31% | 0.00% |
| Non-Performing Asset Ratio | 0.16% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 0.23% |
| ACL / Loans | 1.15% | 0.97% |
Balance sheet
| Metric | Charlevoix State Bank | Gulf Atlantic Bank |
|---|---|---|
| Total Assets | $245,318K | $245,177K |
| Total Deposits | $218,423K | $206,151K |
| Total Loans | $130,185K | $191,010K |
| Total Equity | $24,026K | $21,494K |
| Net Income (quarter) | $1,260K | $523 |
Liquidity & funding
| Metric | Charlevoix State Bank | Gulf Atlantic Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 59.60% | 92.66% |
| Core Deposit Ratio | 96.54% | 92.55% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Charlevoix State Bank | Gulf Atlantic Bank |
|---|---|---|
| Headquarters City | CHARLEVOIX | KEY WEST |
| Headquarters State | MI | FL |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 7 | 5 |
| Employees (FTE) | 37 | 46 |
| Established | Aug. 16, 1994, midnight | April 13, 2020, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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