What is Gulfside Bank's financial health grade?

Gulfside Bank has a TFS Financial Health Grade of C- (score: 71.3/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Gulfside Bank have?

Gulfside Bank has 2 branch locations across the United States.

Is Gulfside Bank FDIC insured?

Yes, Gulfside Bank is FDIC insured (Certificate #59140).

What are the total assets of Gulfside Bank?

Gulfside Bank has total assets of $321.1M as reported in its most recent FDIC filing.

Gulfside Bank

BankSarasota, Florida

www.gulfsidebank.com

Total Assets

$321.1M

Total Deposits

$273.6M

Branches

Established

2018

TFS Health Grade

C-

71.3 / 100

Average financial health

How we grade

Gulfside Bank is a bank headquartered in Sarasota, Florida, established in 2018. With $321.1M in total assets and 2 branch locations, it has a TFS Financial Health Grade of C- (71.3/100).

Capital & Safety

Tier 1 Capital Ratio

10.42%(8%)

Total Capital Ratio

0.00%(10%)

Non-Performing Loan Ratio

0.02%

Profitability

Return on Assets (ROA)

1.27%(1%)

Return on Equity (ROE)

13.90%(10%)

Net Interest Margin

3.85%

Efficiency Ratio

56.81%(60%)

Lending & Liquidity

Total Loans

$231.1M

Loan-to-Deposit Ratio

83.57%

Net Charge-Off Ratio

0.00%

Growth

Asset Growth (YoY)

+10.08%

Deposit Growth (YoY)

+4.19%

Net Income

$4.0M

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.

Branch	Address	City	State	Type
Gulfside BankHQ	333 N Orange Ave	Sarasota	FL	11
Gulfside Bank	2870 Height Street	Sarasota	FL	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.