BlastPoint's Banking Scorecard
Gulf Atlantic Bank
Micro
Specialty: Commercial
FL
FDIC cert 59181
Designations: ✓ Community bank
Key West, FL
2498
banks in Micro tier nationally
35 in FL
View Micro leaderboard (FL) →
Gulf Atlantic Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 27.22% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$233.1M
+34.8% YoY
+11.5% QoQ
|
+$15.6M |
$217.5M
+2.3% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
58% |
| Total Loans ? |
$189.4M
+44.1% YoY
+17.9% QoQ
|
+$50.2M |
$139.2M
+2.8% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
71% |
| Total Deposits ? |
$186.2M
+19.6% YoY
+2.6% QoQ
|
+$2.5M |
$183.7M
+1.8% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
56% |
| Return on Assets ? |
0.82%
+100.1% YoY
+1.4% QoQ
|
-0.26% |
1.08%
+14.7% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
35% |
| Net Interest Margin ? |
4.58%
+22.6% YoY
-0.7% QoQ
|
+0.73% |
3.85%
+6.6% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
81% |
| Efficiency Ratio ? |
68.91%
-14.0% YoY
+2.3% QoQ
|
+1.19% |
67.73%
-4.8% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
43% |
| Delinquency Rate ? |
0.32%
+425.1% QoQ
|
-0.32% |
0.64%
+24.4% YoY
|
0.34%
-31.5% YoY
|
0.66%
+20.3% YoY
|
54% |
| Loan-to-Deposit Ratio ? |
101.75%
+20.5% YoY
+14.9% QoQ
|
+27.22% |
74.53%
+0.5% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.78%
-13.8% YoY
-10.1% QoQ
|
-6.61% |
22.39%
-1.3% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
26% |
| Nonperforming Asset Ratio ? |
0.26%
+455.1% QoQ
|
-0.19% |
0.45%
+25.1% YoY
|
0.26%
-19.5% YoY
|
0.48%
+20.8% YoY
|
51% |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-8.85% |
8.85%
-3.4% YoY
|
11.37%
-0.5% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.21%
-11.1% YoY
+27.2% QoQ
|
-0.35% |
0.56%
+0.3% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
25% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 7%
in Micro
Why this stands out
Current:
101.75%
(Tier avg: 74.53%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
81
81th pctile
Net Interest Margin
Current: 4.58% · Tier avg: 3.85%
71
71th pctile
Total Loans
Current: $189.4M · Tier avg: $139.2M
58
58th pctile
Total Assets
Current: $233.1M · Tier avg: $217.5M
56
56th pctile
Total Deposits
Current: $186.2M · Tier avg: $183.7M
54
54th pctile
Delinquency Rate
Current: 0.32% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Nonperforming Asset Ratio
Current: 0.26% · Tier avg: 0.45%
43
43th pctile
Efficiency Ratio
Current: 68.91% · Tier avg: 67.73%
35
35th pctile
Return on Assets
Current: 0.82% · Tier avg: 1.08%
26
26th pctile
Non-Interest-Bearing Deposit Share
Current: 15.78% · Tier avg: 22.39%
25
25th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.56%
7
7th pctile
Loan-to-Deposit Ratio
Current: 101.75% · Tier avg: 74.53%
Top Weaknesses
7
7th pctile
Loan-to-Deposit Ratio
Current: 101.75% · Tier avg: 74.53%
25
25th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.56%
26
26th pctile
Non-Interest-Bearing Deposit Share
Current: 15.78% · Tier avg: 22.39%
35
35th pctile
Return on Assets
Current: 0.82% · Tier avg: 1.08%
43
43th pctile
Efficiency Ratio
Current: 68.91% · Tier avg: 67.73%
51
51th pctile
Nonperforming Asset Ratio
Current: 0.26% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
54
54th pctile
Delinquency Rate
Current: 0.32% · Tier avg: 0.64%
56
56th pctile
Total Deposits
Current: $186.2M · Tier avg: $183.7M
58
58th pctile
Total Assets
Current: $233.1M · Tier avg: $217.5M
71
71th pctile
Total Loans
Current: $189.4M · Tier avg: $139.2M
81
81th pctile
Net Interest Margin
Current: 4.58% · Tier avg: 3.85%