Gulfside Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Gulfside Bank of Sarasota, 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 | 1.65% | 1.25% | +0.40% | 71st above |
| ROAE | 16.45% | 12.22% | +4.23% | 73rd above |
| Net Interest Margin | 4.00% | 3.95% | +0.05% | 53rd above |
| Efficiency Ratio | 48.54% | 63.71% | -15.17% | 83rd top |
| PPNR / Avg Assets | 2.30% | — | — | 83rd top |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.63% | 5.67% | -0.04% | 51st above |
| Cost of Funds | 1.75% | 1.87% | -0.12% | 53rd above |
| Net Interest Spread | 3.34% | — | — | 50th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.88% | -0.88% | 94th top |
| NPA / Total Assets | 0.13% | — | — | 67th above |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.05% | — | — | 32nd below |
| Texas Ratio | 1.21% | 5.96% | -4.75% | 66th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.24% | 11.75% | -0.51% | 54th above |
| Equity / Assets | 10.29% | 10.98% | -0.69% | 49th below |
| TCE / Tangible Assets | 10.25% | — | — | 52nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 87.00% | 80.44% | +6.56% | 36th below |
| Core Deposit Ratio | 96.23% | 86.95% | +9.28% | 90th top |
| Wholesale Funding Ratio | 3.63% | — | — | 49th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.19% | — | — | 80th top |
| Loan Growth (Y/Y) | 12.57% | — | — | 81st top |
| Deposit Growth (Y/Y) | 3.46% | — | — | 45th below |
See Gulfside Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Gulfside 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 Gulfside 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 Gulfside Bank peer analysis.