Gulf Atlantic Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Loans and leases to core deposits dropped 2.91 percentage points in Q2 2026, from 100.12% to 97.21%. It was the largest change from Q1 2026 among the key lines here. Gulf Atlantic Bank ranks 23rd of 81 Florida banks on loan-to-deposit ratio, in the upper half at 89.87% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Gulf Atlantic Bank sits 9.31 points higher, at 89.87% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $21.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $44.5M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $13.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.14% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.87% |
| Net loans and leases to deposits | 89.07% |
| Loans and leases to core deposits | 97.21% |
| Core deposits to total deposits | 75.52% |
| Brokered deposits to total deposits | 16.93% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 90.22% | 73.00% | $0 | $11.5M |
| Q4 2023 | 93.62% | 72.79% | $0 | $12.5M |
| Q1 2024 | 86.70% | 72.94% | $0 | $5.0M |
| Q2 2024 | 95.17% | 70.44% | $0 | $14.0M |
| Q3 2024 | 85.63% | 75.75% | $0 | $11.0M |
| Q4 2024 | 85.35% | 78.68% | $0 | $0 |
| Q1 2025 | 86.29% | 89.02% | $0 | $0 |
| Q2 2025 | 91.88% | 86.26% | $0 | $10.0M |
| Q3 2025 | 89.41% | 78.85% | $0 | $5.0M |
| Q4 2025 | 102.70% | 71.90% | $0 | $22.8M |
| Q1 2026 | 92.66% | 73.24% | $0 | $13.0M |
| Q2 2026 | 89.87% | 75.52% | $0 | $13.0M |
Gulf Atlantic Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Gulf Atlantic Bank, freeSource: Call Report Schedules RC and RC-M, 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)