E
Gulf Atlantic Bank
Rating Date
October 2025
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 8.20
Capitalization Index 7.20
Liquidity Index 0.90
Profitability Index 4.30
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 23.10%
5-Year Asset Growth --
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans 0.38%
Non-Performing Assets to Assets 0.05%
Non-Performing Loans to Capital 0.49%
Non-Performing Loans to Loans 0.06%
Balance Sheet Gulf Atlantic Bank
Key West, FL
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Total Assets 208.98M
Total Deposits 181.49M
Capital and Reserves Gulf Atlantic Bank
Key West, FL
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Capital 17.76M
Leverage Ratio 9.13
Loan Loss Reserves to Loans 1.00%
Risk-Based Capital Ratio 11.11
Liquidity Gulf Atlantic Bank
Key West, FL
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Hot Money Ratio 10.17%
Liquidity Ratio 15.71%
Profitability Gulf Atlantic Bank
Key West, FL
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5-Year Return on Average Assets --
Net Income 1.15M
Net Interest Spread 4.53%
Operating Profit to Average Assets 1.05%
Overhead Efficiency Ratio 67.37%
Return on Assets 0.80%
Return on Equity 9.64%