BlastPoint's Banking Scorecard

Gulfside Bank

$100M-$1B Specialty: Commercial FL FDIC cert 59140

Sarasota, FL

2 branches across FL

2664 banks in the $100M-$1B peer group nationally 43 in FL

Gulfside Bank has 2 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 9.71% below tier average
+ Delinquency Rate 0.87% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.19% below tier average

Get updates when Gulfside Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Total Assets ?	$362.3M +13.1% YoY +12.9% QoQ	-$23.7M	$386.1M +0.5% YoY	$4.3B +10.8% YoY	$6.2B +9.1% YoY	56%
Total Loans ?	$238.7M +8.8% YoY +4.4% QoQ	-$17.0M	$255.7M +1.1% YoY	$3.0B +12.4% YoY	$3.2B +10.8% YoY	57%
Total Deposits ?	$313.5M +8.1% YoY +14.6% QoQ	-$14.4M	$328.0M +0.1% YoY	$3.6B +11.7% YoY	$4.8B +8.2% YoY	57%
Return on Assets ?	1.25% +12.8% YoY -1.4% QoQ	-0.02%	1.27% +12.9% YoY	0.83% +61.5% YoY	1.23% +13.4% YoY	53%
Net Interest Margin ?	3.74% -2.5% YoY -2.6% QoQ	-0.19%	3.93% +6.0% YoY	3.75% +4.2% YoY	3.89% +5.7% YoY	44%
Efficiency Ratio ?	55.58% -9.8% YoY -2.2% QoQ	-9.71%	65.29% -4.5% YoY	71.93% -25.2% YoY	66.95% -4.1% YoY	72%
Delinquency Rate ?	0.02% -73.5% YoY -4.2% QoQ	-0.87%	0.89% +18.8% YoY	0.63% -5.7% YoY	0.95% +18.8% YoY	85%
Loan-to-Deposit Ratio ?	76.14% +0.6% YoY -8.9% QoQ	-0.50%	76.64% +0.8% YoY	73.79% +1.2% YoY	76.70% +0.9% YoY	55%
Non-Interest-Bearing Deposit Share ?	25.29% -0.1% YoY +3.5% QoQ	+3.27%	22.02% -1.0% YoY	27.22% -2.5% YoY	22.01% -1.2% YoY	67%
Nonperforming Asset Ratio ?	0.01% -74.5% YoY -11.4% QoQ	-0.63%	0.64% +19.7% YoY	0.43% -5.1% YoY	0.67% +19.3% YoY	Top 14.5% in tier
Tier 1 Capital Ratio ?	11.04% +7.8% YoY +6.0% QoQ	-4.79%	15.83% +1.5% YoY	16.64% -24.7% YoY	17.06% +0.8% YoY	23%
Non-Interest Income / Assets ?	0.05% -20.0% YoY -83.0% QoQ	-0.23%	0.28% +9.3% YoY	0.50% +7.6% YoY	0.32% +4.1% YoY	22%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (2 metrics)

386

Nonperforming Asset Ratio

credit_quality

Value: 0.01%

Peer Median: 0.64%

#386 of 2664 Top 14.5% in $100M-$1B

405

Delinquency Rate

credit_quality

Value: 0.02%

Peer Median: 0.89%

#405 of 2654 Top 15.2% in $100M-$1B

Top Weaknesses (2 metrics)

2067

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.28%

#2067 of 2664 Bottom 22.4% in $100M-$1B

2040

Tier 1 Capital Ratio

capital

Value: 11.04%

Peer Median: 15.83%

#2040 of 2664 Bottom 23.5% in $100M-$1B