E
Gulf Atlantic Bank
Rating Date
August 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 6.90
Capitalization Index 7.60
Liquidity Index 1.30
Profitability Index 3.80
Stability Index 4.20
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 29.43%
5-Year Asset Growth 128.93%
5-Year Charge-Offs to Average Loans 0.07%
Charge-Offs to Average Loans 0.19%
Non-Performing Assets to Assets 0.15%
Non-Performing Loans to Capital 1.54%
Non-Performing Loans to Loans 0.20%
Balance Sheet Gulf Atlantic Bank
Key West, FL
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Total Assets 253.16M
Total Deposits 213.02M
Capital and Reserves Gulf Atlantic Bank
Key West, FL
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Capital 22.70M
Leverage Ratio 9.38
Loan Loss Reserves to Loans 0.88%
Risk-Based Capital Ratio 11.84
Liquidity Gulf Atlantic Bank
Key West, FL
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Hot Money Ratio 13.56%
Liquidity Ratio 18.42%
Profitability Gulf Atlantic Bank
Key West, FL
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5-Year Return on Average Assets -0.23%
Net Income 831.00K
Net Interest Spread 4.23%
Operating Profit to Average Assets 0.87%
Overhead Efficiency Ratio 74.32%
Return on Assets 0.66%
Return on Equity 7.74%