BlastPoint's Banking Scorecard

Gulf Atlantic Bank

$100M-$1B Specialty: Commercial FL FDIC cert 59181

Key West, FL

5 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 +29.4% year over year ($213.0M on the books).
Delinquency rate 0.21%.
Return on assets 0.68%.
Efficiency ratio 74.32% vs a 64.48% peer average.
Loan-to-deposit ratio 89.07% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 44 in FL

View $100M-$1B leaderboard (FL) →

Gulf Atlantic Bank has 2 strengths but faces 4 concerns

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

+ Net Interest Margin 0.45% above tier average
+ Delinquency Rate 0.71% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 30.7% in tier
- NIB Deposit Bleed: Bottom 71.0% in tier
- ROA 0.64% below tier average
- Efficiency Ratio 9.84% above tier average

Get updates when Gulf Atlantic Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Total Assets ?	$253.2M +29.4% YoY +3.3% QoQ	-$133.4M	$386.6M +1.2% YoY	$4.3B +7.0% YoY	$6.3B +7.7% YoY	37%
Total Loans ?	$189.7M +26.7% YoY +0.3% QoQ	-$68.6M	$258.3M +1.7% YoY	$3.0B +8.2% YoY	$3.2B +9.4% YoY	46%
Total Deposits ?	$213.0M +29.4% YoY +3.3% QoQ	-$113.7M	$326.7M +0.7% YoY	$3.5B +7.0% YoY	$4.9B +7.3% YoY	37%
Return on Assets ?	0.68% -16.7% YoY -22.1% QoQ	-0.64%	1.32% +10.8% YoY	0.62% -8.3% YoY	1.30% +12.1% YoY	18%
Net Interest Margin ?	4.44% -2.1% YoY -4.8% QoQ	+0.45%	3.99% +5.0% YoY	3.70% +0.5% YoY	3.95% +4.9% YoY	77%
Efficiency Ratio ?	74.32% +10.0% YoY +6.4% QoQ	+9.84%	64.48% -3.2% YoY	199.20% +161.3% YoY	70.05% +2.5% YoY	21%
Delinquency Rate ?	0.21%	-0.71%	0.92% +15.7% YoY	0.61% -2.0% YoY	0.98% +16.3% YoY	65%
Loan-to-Deposit Ratio ?	89.07% -2.1% YoY -2.9% QoQ	+11.12%	77.95% +1.0% YoY	72.91% -1.7% YoY	79.03% +2.3% YoY	28%
Non-Interest-Bearing Deposit Share ?	15.56% -14.3% YoY -20.6% QoQ	-6.47%	22.03% -0.6% YoY	27.35% -2.5% YoY	21.98% -0.6% YoY	27%
Nonperforming Asset Ratio ?	0.15%	-0.51%	0.67% +16.4% YoY	0.42% -2.6% YoY	0.69% +15.8% YoY	65%
Tier 1 Capital Ratio ?	11.05% +2.9% YoY +5.3% QoQ	-4.86%	15.91% +1.4% YoY	19.50% +8.2% YoY	17.09% +0.8% YoY	24%
Non-Interest Income / Assets ?	0.12% -5.1% YoY +91.8% QoQ	-0.45%	0.57% +7.6% YoY	1.02% +6.4% YoY	0.66% +5.2% YoY	25%

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	15.6% -2.6pp YoY -4.0pp QoQ	-6.6pp	22.1%	27.7%	22.2%	26%
Brokered Deposits	16.9% +7.6pp YoY -2.4pp QoQ	+9.1pp	7.9%	8.7%	8.5%	87%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
C&I	10.3% +0.2pp YoY +1.0pp QoQ	-1.2pp	11.6%	12.9%	12.5%	54%
CRE	50.0% +3.1pp YoY +0.8pp QoQ	+10.4pp	39.5%	50.6%	41.4%	70%
1-4 Family	26.2% -4.3pp YoY +0.9pp QoQ	-6.4pp	32.6%	30.7%	31.3%	43%
Consumer	10.8% +3.1pp YoY -2.0pp QoQ	+6.7pp	4.1%	3.7%	5.0%	93%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
CET1 Ratio	11.1% +0.3pp YoY +0.6pp QoQ	-7.8pp	18.8%	19.8%	19.7%	8%
Leverage Ratio	9.4% -0.3pp YoY +0.4pp QoQ	-2.8pp	12.2%	13.9%	12.6%	19%
Total Capital Ratio	11.8% +0.2pp YoY +0.5pp QoQ	-8.1pp	19.9%	21.1%	20.8%	6%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Full-Time Employees	45 +12 (+36.4%) YoY -1 (-2.2%) QoQ	-14	58	295	482	47%
Assets per Employee ($)	$5.6M -5.1% YoY +5.5% QoQ	-$1.9M	$7.5M	$10.3M	$8.8M	25%
Branch Count	5 +3 (+150.0%) YoY 0 QoQ	0	4	13	18	55%

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	0.2%	-0.7pp	0.9%	0.7%	1.0%	30%
Allowance Coverage	4.33x	-19.82x	24.15x	16.62x	20.23x	67%
Net Charge-off Rate (YTD)	0.2% -0.1pp YoY 0.0pp QoQ	0.0pp	0.1%	0.2%	0.2%	84%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
ROE	7.7% -2.1pp YoY -2.3pp QoQ	-4.5pp	12.2%	9.3%	11.6%	24%
Cost of Funds (YTD)	2.6% -0.1pp YoY 0.0pp QoQ	+0.9pp	1.7%	1.8%	1.7%	92%
Net Income ($, YTD)	$831,000 +11.4% YoY — QoQ	-$1.7M	$2.6M	$25.2M	$40.4M	21%

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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 (2)

Credit Quality Pressure

risk

#386 of 1256 • Bottom 30.7% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.21%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ

NIB Deposit Bleed

decline

#116 of 162 • Bottom 71.0% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 15.56%

(Tier: 22.03%, National: 21.98%)

worse than tier avg

162 of 162 Community banks match · 211 nationally

↓ Shrinking -26 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (1 metrics)

617

Net Interest Margin

profitability

Value: 4.44%

Peer Median: 3.99%

#617 of 2643 Top 23.3% in $100M-$1B

Top Weaknesses (3 metrics)

2161

Return on Assets

profitability

Value: 0.68%

Peer Median: 1.32%

#2161 of 2643 Bottom 18.3% in $100M-$1B

2078

Efficiency Ratio

profitability

Value: 74.32%

Peer Median: 64.48%

#2078 of 2643 Bottom 21.4% in $100M-$1B

2006

Tier 1 Capital Ratio

capital

Value: 11.05%

Peer Median: 15.91%

#2006 of 2643 Bottom 24.1% in $100M-$1B