Gulfside 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: 10.04 percentage points higher than in Q1 2026, at 87.00%. Within Florida, Gulfside Bank is 13th of 79 on return on assets, 1.65% as of Q2 2026. Gulfside Bank reported 1.65% on return on assets for Q2 2026, 0.40 points above the 1.26% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.24% |
| Equity capital to assets | 10.29% |
| Tangible equity to tangible assets | 10.25% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.13% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.21% |
| Allowance for credit losses to loans | 1.05% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.65% |
| Return on equity | 16.45% |
| Net interest margin | 4.00% |
| Efficiency ratio | 48.54% |
| Yield on earning assets | 5.63% |
| Cost of funds | 1.75% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.00% |
| Core deposits to total deposits | 96.23% |
| Brokered deposits to total deposits | 0.34% |
| Deposits to assets | 85.35% |
| Securities to assets | 17.01% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.21% | 1.12% | 3.45% | 0.00% | 0.00% |
| Q4 2023 | 9.85% | 0.94% | 3.29% | 0.00% | 0.00% |
| Q1 2024 | 9.75% | 0.99% | 3.34% | 0.00% | 0.00% |
| Q2 2024 | 9.44% | 1.25% | 3.50% | 0.00% | 0.00% |
| Q3 2024 | 10.59% | 1.55% | 3.68% | 0.00% | 0.00% |
| Q4 2024 | 10.67% | 1.22% | 3.86% | 0.07% | 0.00% |
| Q1 2025 | 10.24% | 1.11% | 3.75% | 0.06% | 0.00% |
| Q2 2025 | 10.33% | 1.25% | 3.87% | 0.06% | 0.00% |
| Q3 2025 | 10.52% | 1.27% | 3.66% | 0.06% | 0.00% |
| Q4 2025 | 10.42% | 1.41% | 3.64% | 0.02% | 0.00% |
| Q1 2026 | 11.04% | 1.28% | 3.75% | 0.02% | 0.00% |
| Q2 2026 | 11.24% | 1.65% | 4.00% | 0.00% | 0.00% |
Gulfside Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Gulfside 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 Gulfside Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59140) · FFIEC NIC profile (RSSD 5303724)