Gulfside 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.
The largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.25 percentage points to 4.00%. Within Florida, Gulfside Bank is 23rd of 79 on net interest margin, 4.00% as of Q2 2026. At 4.00%, Gulfside Bank's net interest margin is close to the 3.94% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.63% |
| Yield on loans | 6.46% |
| Yield on securities | 3.25% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.75% |
| Cost of interest-bearing deposits | 2.21% |
| Cost of interest-bearing liabilities | 2.29% |
| Cost of borrowings | 3.87% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.00% |
| Yield to cost spread | 3.34% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.9M |
| Total interest expense | $1.4M |
| Interest expense on deposits | $1.2M |
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 | 4.89% | 1.56% | 3.45% | 5.72% | 2.44% |
| Q4 2023 | 5.00% | 1.87% | 3.29% | 5.85% | 2.50% |
| Q1 2024 | 5.08% | 1.87% | 3.34% | 5.90% | 2.50% |
| Q2 2024 | 5.23% | 1.89% | 3.50% | 6.01% | 2.51% |
| Q3 2024 | 5.43% | 1.91% | 3.68% | 6.28% | 2.50% |
| Q4 2024 | 5.42% | 1.73% | 3.86% | 6.27% | 2.52% |
| Q1 2025 | 5.30% | 1.68% | 3.75% | 6.15% | 2.50% |
| Q2 2025 | 5.46% | 1.72% | 3.87% | 6.30% | 2.46% |
| Q3 2025 | 5.58% | 2.09% | 3.66% | 6.40% | 2.68% |
| Q4 2025 | 5.50% | 2.05% | 3.64% | 6.40% | 3.19% |
| Q1 2026 | 5.41% | 1.81% | 3.75% | 6.21% | 3.22% |
| Q2 2026 | 5.63% | 1.75% | 4.00% | 6.46% | 3.25% |
Gulfside 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 Gulfside 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 Gulfside Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59140) · FFIEC NIC profile (RSSD 5303724)