Gulf Atlantic Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 2.79 percentage points lower than in Q1 2026, at 89.87%. Gulf Atlantic Bank ranks 67th of 79 Florida banks on return on assets, in the lower half at 0.49% (Q2 2026). Against a median of 1.26% for banks in the $100M-1B asset tier, Gulf Atlantic Bank reported 0.49% on return on assets in Q2 2026, 0.77 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.05% |
| Tier 1 risk-based capital ratio | 11.05% |
| Total risk-based capital ratio | 11.84% |
| Tier 1 leverage ratio | 9.38% |
| Equity capital to assets | 8.96% |
| Tangible equity to tangible assets | 8.96% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.20% |
| Non-performing assets ratio | 0.15% |
| Net charge-off ratio | 0.15% |
| Texas ratio | 1.60% |
| Allowance for credit losses to loans | 0.88% |
| Reserve coverage of non-performing loans | 433.25% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.49% |
| Return on equity | 5.58% |
| Net interest margin | 4.07% |
| Efficiency ratio | 78.86% |
| Yield on earning assets | 6.56% |
| Cost of funds | 2.59% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.87% |
| Core deposits to total deposits | 75.52% |
| Brokered deposits to total deposits | 16.93% |
| Deposits to assets | 84.15% |
| Securities to assets | 8.95% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.69% | 10.69% | 11.48% | 9.31% | -0.25% |
| Q4 2023 | 10.48% | 10.48% | 11.30% | 9.00% | 0.19% |
| Q1 2024 | 10.84% | 10.84% | 11.70% | 9.07% | 0.21% |
| Q2 2024 | 10.95% | 10.95% | 11.81% | 9.06% | 0.32% |
| Q3 2024 | 10.30% | 10.30% | 11.17% | 8.73% | 0.34% |
| Q4 2024 | 9.80% | 9.80% | 10.74% | 8.44% | 0.72% |
| Q1 2025 | 11.15% | 11.15% | 12.13% | 9.02% | 0.94% |
| Q2 2025 | 10.74% | 10.74% | 11.66% | 9.64% | 0.67% |
| Q3 2025 | 10.22% | 10.22% | 11.11% | 9.13% | 0.79% |
| Q4 2025 | 9.98% | 9.98% | 10.82% | 9.35% | 0.85% |
| Q1 2026 | 10.50% | 10.50% | 11.36% | 8.98% | 0.84% |
| Q2 2026 | 11.05% | 11.05% | 11.84% | 9.38% | 0.49% |
Gulf Atlantic Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Gulf Atlantic Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)