Gulf Atlantic Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Compared with Q1 2026, Common stock surplus rose 6.2% in Q2 2026 to $15.7M, the biggest move on this page. Gulf Atlantic Bank has the 5th lowest CET1 ratio of the 56 banks headquartered in Florida, at 11.05% as of Q2 2026. Gulf Atlantic Bank reported 11.05% on CET1 ratio for Q2 2026, 4.03 points below the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.05% |
| Tier 1 risk-based capital ratio | 11.05% |
| Total risk-based capital ratio | 11.84% |
| Tier 1 leverage ratio | 9.38% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $23.7M |
| Tier 1 capital | $23.7M |
| Total risk-based capital | $25.4M |
| Total equity capital | $22.7M |
| Risk-weighted assets | $214.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.96% |
| Tangible equity to tangible assets | 8.96% |
| Equity capital to average assets | 8.99% |
| Internal capital growth rate | 5.73% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $8.4M |
| Common stock surplus | $15.7M |
| Retained earnings | -$319K |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.0M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 10.69% | 10.69% | 11.48% | 9.31% | $118.8M |
| Q4 2023 | 10.48% | 10.48% | 11.30% | 9.00% | $122.9M |
| Q1 2024 | 10.84% | 10.84% | 11.70% | 9.07% | $122.4M |
| Q2 2024 | 10.95% | 10.95% | 11.81% | 9.06% | $126.6M |
| Q3 2024 | 10.30% | 10.30% | 11.17% | 8.73% | $135.9M |
| Q4 2024 | 9.80% | 9.80% | 10.74% | 8.44% | $149.0M |
| Q1 2025 | 11.15% | 11.15% | 12.13% | 9.02% | $150.5M |
| Q2 2025 | 10.74% | 10.74% | 11.66% | 9.64% | $165.6M |
| Q3 2025 | 10.22% | 10.22% | 11.11% | 9.13% | $182.1M |
| Q4 2025 | 9.98% | 9.98% | 10.82% | 9.35% | $210.5M |
| Q1 2026 | 10.50% | 10.50% | 11.36% | 8.98% | $213.1M |
| Q2 2026 | 11.05% | 11.05% | 11.84% | 9.38% | $214.3M |
Gulf Atlantic Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Gulf Atlantic Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Gulf Atlantic Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59181) · FFIEC NIC profile (RSSD 5475452)