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Gulfside Bank
Sarasota, FL · FDIC Certificate #59140 · Chartered 11/1
Total assets
$344.59M
Total deposits
$294.10M
Total equity
$35.47M
Net loans
$253.19M
Branches (offices)
2
Net income (YTD)
$2.49M
Rank: #2,271 of 4,213 U.S. banks by assets · #55 of 81 in Florida. Assets changed 9.2% and deposits 3.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.45% |
| Return on equity | 14.74% |
| Net interest margin (YTD) | 3.92% |
| Equity to assets | 10.29% |
| Tier 1 leverage ratio | 11.24% |
| Uninsured deposits (share of deposits) | 41.8% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 86.1% |
| Real estate loans (share of loans) | 91.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $232.36M | 91.8% | |
| Commercial & industrial | $14.22M | 5.6% | |
| Consumer / individual | $292.00K | 0.1% | |
| Construction & development | $21.62M | 8.5% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $246.74M | $227.41M | $412.00K | $18.70M |
| Jun 2023 | $286.76M | $264.92M | $1.26M | $20.59M |
| Jun 2024 | $283.11M | $257.67M | $1.63M | $24.14M |
| Jun 2025 | $315.58M | $284.27M | $1.83M | $28.58M |
| Jun 2026 | $344.59M | $294.10M | $2.49M | $35.47M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Florida | $294.10M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $294.10M.
Similar-sized banks
Goppert State Service Bank ($345.33M) · First National Bank Of Hereford ($344.57M)
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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