E
Gulf Atlantic Bank
Rating Date
March 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Gulf Atlantic Bank
Key West, FL
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Rating E
Asset Quality Index 7.00
Capitalization Index 7.50
Liquidity Index 0.60
Profitability Index 4.00
Stability Index 0.00
Company Info Gulf Atlantic Bank
Key West, FL
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FDIC Number 59181
Phone Number (305) 394-5100
Website www.gulfatlanticbank.com
Asset Quality Gulf Atlantic Bank
Key West, FL
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1-Year Asset Growth 34.78%
5-Year Asset Growth 128.93%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans 0.32%
Non-Performing Assets to Assets 0.26%
Non-Performing Loans to Capital 2.69%
Non-Performing Loans to Loans 0.32%
Balance Sheet Gulf Atlantic Bank
Key West, FL
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Total Assets 233.10M
Total Deposits 186.16M
Capital and Reserves Gulf Atlantic Bank
Key West, FL
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Capital 20.25M
Leverage Ratio 9.35
Loan Loss Reserves to Loans 0.92%
Risk-Based Capital Ratio --
Liquidity Gulf Atlantic Bank
Key West, FL
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Hot Money Ratio 14.10%
Liquidity Ratio 11.35%
Profitability Gulf Atlantic Bank
Key West, FL
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5-Year Return on Average Assets --
Net Income 1.62M
Net Interest Spread 4.49%
Operating Profit to Average Assets 0.99%
Overhead Efficiency Ratio 68.91%
Return on Assets 0.81%
Return on Equity 9.75%