Gulf Atlantic Bank

BankKey West, Florida
www.gulfatlanticbank.com

Total Assets

$233.1M

Total Deposits

$186.2M

Branches

3

Established

2020

TFS Health Grade

$
D-

61.0 / 100

Below average financial health

How we grade

Gulf Atlantic Bank is a bank headquartered in Key West, Florida, established in 2020. With $233.1M in total assets and 3 branch locations, it has a TFS Financial Health Grade of D- (61.0/100).

Capital & Safety

Tier 1 Capital Ratio
9.35%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.32%

Profitability

Return on Assets (ROA)
0.82%(1%)
Return on Equity (ROE)
9.74%(10%)
Net Interest Margin
4.58%
Efficiency Ratio
68.91%(60%)

Lending & Liquidity

Total Loans
$191.2M
Loan-to-Deposit Ratio
101.75%
Net Charge-Off Ratio
0.31%

Growth

Asset Growth (YoY)
+34.78%
Deposit Growth (YoY)
+19.56%
Net Income
$1.6M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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