Gulf Atlantic Bank
Operating from Key West, FL, Gulf Atlantic Bank serves its local market as an FDIC-insured commercial bank. On its most recent Q1 2026 call report, Gulf Atlantic reported $245M in total assets against $206M in deposits. Earnings are mid-range — 0.84% ROA and a 4.40% net interest margin. Capital is comfortably above regulatory minimums — CET1 ratio of 10.50% sits well above the 7% well-capitalized threshold. Credit metrics are pristine, with nonperforming loans at just 0.00%. 5 branches make up the footprint.
Headquarters Profile
- Address
- 2222 N Roosevelt Blvd, KEY WEST, FL 33040
- County
- Monroe
- Metro Area
- KEY WEST-KEY LARGO, FL
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- FED
- Fed District
- 5
- Established
- April 13, 2020
- Branches
- 5 domestic
- Employees (FTE)
- 46
- FDIC Cert
- 59181
- Fed RSSD
- 5475452
- Website
- www.gulfatlanticbank.com →
- Parent Holding Company
- GULF ATLANTIC FINANCIAL CORPORATION (RSSD 5866340)
Capital & Liquidity
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Gulf Atlantic Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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Frequently asked about Gulf Atlantic Bank
What are Gulf Atlantic Bank's total assets?
As of the Q1 2026 filing, Gulf Atlantic Bank reported total assets of $245.2 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Gulf Atlantic Bank headquartered?
Gulf Atlantic Bank is headquartered in KEY WEST, FL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Gulf Atlantic Bank founded?
Gulf Atlantic Bank was established in 2020, per the FDIC institution directory.
Is Gulf Atlantic Bank FDIC-insured?
Yes. Gulf Atlantic Bank is an FDIC-insured commercial bank (FDIC Certificate #59181). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Gulf Atlantic Bank?
Gulf Atlantic Bank's primary federal regulator is the FED. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Gulf Atlantic Bank's CET1 capital ratio?
Gulf Atlantic Bank reported a Common Equity Tier 1 (CET1) capital ratio of 10.50% in its most recent quarterly filing — above regulatory minimums.
How many branches does Gulf Atlantic Bank operate?
Gulf Atlantic Bank operates 5 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Gulf Atlantic Bank's Texas Ratio?
Gulf Atlantic Bank's Texas Ratio is 0.00% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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