Gulf Atlantic Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Net interest margin fell 0.33 percentage points from Q1 2026 to Q2 2026, ending at 4.07% against 4.40%. It was the largest change among the key lines on this page. Gulf Atlantic Bank ranks 21st of 79 Florida banks on net interest margin, in the upper half at 4.07% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Gulf Atlantic Bank sits 0.13 points higher, at 4.07% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.56% |
| Yield on loans | 7.37% |
| Yield on securities | 3.62% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.59% |
| Cost of interest-bearing deposits | 3.14% |
| Cost of interest-bearing liabilities | 3.19% |
| Cost of borrowings | 3.85% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.07% |
| Yield to cost spread | 3.37% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.5M |
| Total interest expense | $1.5M |
| Interest expense on deposits | $1.4M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.69% | 2.95% | 2.95% | 6.30% | 3.16% |
| Q4 2023 | 5.97% | 3.16% | 2.99% | 6.57% | 3.56% |
| Q1 2024 | 6.29% | 3.05% | 3.33% | 6.96% | 3.31% |
| Q2 2024 | 6.39% | 3.07% | 3.49% | 7.12% | 3.35% |
| Q3 2024 | 6.73% | 3.19% | 3.61% | 7.53% | 3.42% |
| Q4 2024 | 7.49% | 2.99% | 4.44% | 8.66% | 3.18% |
| Q1 2025 | 6.69% | 2.73% | 4.21% | 7.59% | 3.40% |
| Q2 2025 | 7.76% | 2.88% | 4.79% | 8.85% | 3.66% |
| Q3 2025 | 7.30% | 2.90% | 4.60% | 8.19% | 3.62% |
| Q4 2025 | 6.98% | 2.74% | 4.40% | 7.59% | 3.63% |
| Q1 2026 | 6.88% | 2.63% | 4.40% | 7.69% | 3.47% |
| Q2 2026 | 6.56% | 2.59% | 4.07% | 7.37% | 3.62% |
Gulf Atlantic Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Gulf Atlantic Bank, freeSource: Call Report Schedules RI and RC-K, 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)