Gulf Atlantic Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Gulf Atlantic Bank of Key West, FL against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.49% | 1.25% | -0.76% | 11th bottom |
| ROAE | 5.58% | 12.22% | -6.64% | 15th bottom |
| Net Interest Margin | 4.07% | 3.95% | +0.12% | 56th above |
| Efficiency Ratio | 78.86% | 63.71% | +15.15% | 14th bottom |
| PPNR / Avg Assets | 0.85% | — | — | 15th bottom |
| Yield on Earning Assets | 6.56% | 5.67% | +0.89% | 88th top |
| Cost of Funds | 2.59% | 1.87% | +0.72% | 13th bottom |
| Net Interest Spread | 3.37% | — | — | 52nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.20% | 0.88% | -0.68% | 65th above |
| NPA / Total Assets | 0.15% | — | — | 65th above |
| NCO / Avg Loans | 0.15% | 0.15% | +0.00% | 15th bottom |
| ACL / Total Loans | 0.88% | — | — | 16th bottom |
| ACL / NPLs (Coverage) | 433.25% | — | — | 67th above |
| Texas Ratio | 1.60% | 5.96% | -4.36% | 62nd above |
| Provision / NCO | 190.28% | — | — | 56th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.05% | 17.18% | -6.13% | 8th bottom |
| Tier 1 Ratio | 11.05% | 17.21% | -6.16% | 8th bottom |
| Total Capital Ratio | 11.84% | — | — | 6th bottom |
| Leverage Ratio | 9.38% | 11.75% | -2.37% | 19th bottom |
| Equity / Assets | 8.96% | 10.98% | -2.02% | 26th below |
| TCE / Tangible Assets | 8.96% | — | — | 30th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 89.87% | 80.44% | +9.43% | 29th below |
| Core Deposit Ratio | 75.52% | 86.95% | -11.43% | 10th bottom |
| Wholesale Funding Ratio | 5.14% | — | — | 37th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 29.43% | — | — | 97th top |
| Loan Growth (Y/Y) | 26.59% | — | — | 96th top |
| Deposit Growth (Y/Y) | 29.41% | — | — | 97th top |
See Gulf Atlantic Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Gulf Atlantic Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Gulf Atlantic Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Gulf Atlantic Bank peer analysis.