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Gulf Atlantic Bank
Key West, FL · FDIC Certificate #59181 · Chartered 04/1
Total assets
$253.16M
Total deposits
$213.02M
Total equity
$22.70M
Net loans
$189.75M
Branches (offices)
5
Net income (YTD)
$831.00K
Rank: #2,699 of 4,213 U.S. banks by assets · #64 of 81 in Florida. Assets changed 29.4% and deposits 29.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.68% |
| Return on equity | 7.74% |
| Net interest margin (YTD) | 4.44% |
| Equity to assets | 8.96% |
| Tier 1 leverage ratio | 9.38% |
| Uninsured deposits (share of deposits) | 37.7% |
| Noncurrent loans (share of loans) | 0.20% |
| Net charge-offs (share of loans) | 0.19% |
| Loans to deposits | 89.1% |
| Real estate loans (share of loans) | 80.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $151.78M | 80.0% | |
| Commercial & industrial | $19.58M | 10.3% | |
| Consumer / individual | $20.47M | 10.8% | |
| Construction & development | $19.28M | 10.2% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $103.83M | $90.85M | -$467.00K | $8.99M |
| Jun 2023 | $131.34M | $104.64M | $1.22M | $11.09M |
| Jun 2024 | $151.35M | $120.70M | $199.00K | $12.47M |
| Jun 2025 | $195.59M | $164.61M | $746.00K | $16.65M |
| Jun 2026 | $253.16M | $213.02M | $831.00K | $22.70M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Florida | $213.02M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $213.02M.
Similar-sized banks
Malvern Bank ($253.22M) · Bank Of Perry County ($253.08M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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