BlastPoint's Banking Scorecard
Gulfside Bank
Sarasota, FL
2 branches across FL
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 44 in FL.
- Deposits +3.5% year over year ($294.1M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.45%.
- Efficiency ratio 51.77% vs a 64.48% peer average.
- Loan-to-deposit ratio 86.09% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Gulfside Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.92% below tier average
- + ROA 0.13% above tier average
- + Efficiency Ratio 12.71% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.07% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$344.6M
+9.2% YoY
-4.9% QoQ
|
-$42.0M |
$386.6M
+1.2% YoY
|
$4.3B
+7.0% YoY
|
$6.3B
+7.7% YoY
|
53% |
| Total Loans ? |
$253.2M
+12.6% YoY
+6.1% QoQ
|
-$5.2M |
$258.3M
+1.7% YoY
|
$3.0B
+8.2% YoY
|
$3.2B
+9.4% YoY
|
59% |
| Total Deposits ? |
$294.1M
+3.5% YoY
-6.2% QoQ
|
-$32.6M |
$326.7M
+0.7% YoY
|
$3.5B
+7.0% YoY
|
$4.9B
+7.3% YoY
|
54% |
| Return on Assets ? |
1.45%
+22.8% YoY
+16.1% QoQ
|
+0.13% |
1.32%
+10.8% YoY
|
0.62%
-8.3% YoY
|
1.30%
+12.1% YoY
|
63% |
| Net Interest Margin ? |
3.92%
+0.0% YoY
+4.7% QoQ
|
-0.07% |
3.99%
+5.0% YoY
|
3.70%
+0.5% YoY
|
3.95%
+4.9% YoY
|
49% |
| Efficiency Ratio ? |
51.77%
-12.7% YoY
-6.9% QoQ
|
-12.71% |
64.48%
-3.2% YoY
|
199.20%
+161.3% YoY
|
70.05%
+2.5% YoY
|
80% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.92% |
0.92%
+15.7% YoY
|
0.61%
-2.0% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
86.09%
+8.8% YoY
+13.1% QoQ
|
+8.14% |
77.95%
+1.0% YoY
|
72.91%
-1.7% YoY
|
79.03%
+2.3% YoY
|
35% |
| Non-Interest-Bearing Deposit Share ? |
26.02%
+4.0% YoY
+2.9% QoQ
|
+3.99% |
22.03%
-0.6% YoY
|
27.35%
-2.5% YoY
|
21.98%
-0.6% YoY
|
70% |
| Nonperforming Asset Ratio ? |
0.13%
+203.1% YoY
|
-0.54% |
0.67%
+16.4% YoY
|
0.42%
-2.6% YoY
|
0.69%
+15.8% YoY
|
67% |
| Tier 1 Capital Ratio ? |
11.24%
+8.8% YoY
+1.8% QoQ
|
-4.67% |
15.91%
+1.4% YoY
|
19.50%
+8.2% YoY
|
17.09%
+0.8% YoY
|
26% |
| Non-Interest Income / Assets ? |
0.20%
+26.8% YoY
+259.3% QoQ
|
-0.37% |
0.57%
+7.6% YoY
|
1.02%
+6.4% YoY
|
0.66%
+5.2% YoY
|
49% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
26.0%
+1.0pp YoY +0.7pp QoQ |
+3.9pp | 22.1% | 27.7% | 22.2% | 70% |
| Brokered Deposits | 0.3% | -7.5pp | 7.9% | 8.7% | 8.5% | 10% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
5.6%
-0.7pp YoY -0.2pp QoQ |
-5.9pp | 11.6% | 12.9% | 12.5% | 24% |
| CRE |
61.0%
+2.4pp YoY -1.4pp QoQ |
+21.4pp | 39.5% | 50.6% | 41.4% | 86% |
| 1-4 Family |
30.8%
-2.6pp YoY +1.4pp QoQ |
-1.8pp | 32.6% | 30.7% | 31.3% | 53% |
| Consumer |
0.1%
-0.1pp YoY 0.0pp QoQ |
-4.0pp | 4.1% | 3.7% | 5.0% | 6% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 19.8% | 19.7% | n/a |
| Leverage Ratio |
11.2%
+0.9pp YoY +0.2pp QoQ |
-0.9pp | 12.2% | 13.9% | 12.6% | 54% |
| Total Capital Ratio | n/a | n/a | 19.9% | 21.1% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
30
+1 (+3.4%) YoY 0 QoQ |
-29 | 58 | 295 | 482 | 26% |
| Assets per Employee ($) |
$11.5M
+5.6% YoY -4.9% QoQ |
+$4.0M | $7.5M | $10.3M | $8.8M | 91% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 13 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 0.7% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 16.62x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.2% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.7%
+1.4pp YoY +1.8pp QoQ |
+2.5pp | 12.2% | 9.3% | 11.6% | 66% |
| Cost of Funds (YTD) |
1.7%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 1.7% | 1.8% | 1.7% | 48% |
| Net Income ($, YTD) |
$2.5M
+36.1% YoY — QoQ |
-$65K | $2.6M | $25.2M | $40.4M | 62% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.