FDIC Cert #59181 · Key West, Florida · Est. 2020

Gulf Atlantic Bank - FDIC Bank Health Profile

A community-scale look at Gulf Atlantic Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$233M
Total assets
C
Health grade · Fair
0.82%
Return on assets
10.0%
Tier 1 capital

Data updated July 2026

The verdict

Gulf Atlantic Bank earns a PlainBankData health grade of C (60/100), with 9.98% Tier 1 capital, 0.82% ROA, 69% efficiency ratio.

#2,833
largest of 4,313 FDIC banks by assets
34th
percentile by asset size, nationally
9.98%
Tier 1 ratio - below the 10% well-capitalized line
31st
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 59181 · FL C · 60/100

GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-ADEQ · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-C C (60/100)
  • LOWER-Q #3801/4307
  • PHOTO-FINISH Varo Bank, National… · UT
  • TIER1-ADEQ 10.0% Tier 1
  • TEXAS-CLEAN 2.8% Texas
  • ROA-PAR 0.82% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Florida: Varo Bank, National Association, UT (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Gulf Atlantic Bank

Lowest and highest poles plus nearest scored peers outside Florida, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Adelphi Bank · OH · near60/100Agility Bank, Nation… · TX ·…60/100Gulf Atlantic Bank · FL · th…60/100Thrivent Bank · UT · near60/100Varo Bank, National… · UT · …60/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Gulf Atlantic Bank · July 2026

Call Report read for Gulf Atlantic Bank in a high-failure state

Gulf Atlantic Bank (FDIC Cert #59181) carries a PlainBankData health grade of C at 60/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,801 of 4,307. Tier 1 capital prints at 9.98%, missing the 10% well-capitalized line. The Texas Ratio is 2.78%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.82%. Balance-sheet scale is $233M, 2,833rd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Varo Bank, National Association (UT), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Gulf Atlantic Bank

76 FAILURE resolutions in Florida since 2000, heavy vs the state corpus

Gulf Atlantic Bank sits in one of the heavier post-2000 FAILURE states (76 resolutions; latest year 2020). The list below is state history from the Failed Bank List, not a claim about Gulf Atlantic Bank's current Call Report.

  • FIRST CITY BANK OF FLORIDA FORT WALTON BEACH, FL 2020 → UNITED FIDELITY BANK, FSB
  • FIRST NATIONAL BANK OF CRESTVIEW CRESTVIEW, FL 2015 → FIRST NBC BANK
  • VALLEY BANK FORT LAUDERDALE, FL 2014 → LANDMARK BANK, NATIONAL ASSOCIATION

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Florida banks.

How Gulf Atlantic Bank's 60/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10060/100
Gulf Atlantic Bank's composite health score
Tier 1 Capital Ratio (9.98%) 18/40
Return on Assets (ROA) (0.82%) 14/25
Texas Ratio (2.78%) 20/20
Efficiency Ratio (68.91%) 8/15

60 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$233M

Total balance-sheet footings

Total Deposits

$186M

Customer-funded liabilities

Net Loans

$189M

Outstanding loan book

Net Income

$2M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.58% 9.98% 11.38%
Basel III capital ratios - Gulf Atlantic Bank

Where Gulf Atlantic Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Gulf Atlantic Bank's score of 60/100 falls in the highlighted band.

Gulf Atlantic Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

60 12th percentile higher than 12% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Gulf Atlantic Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Gulf Atlantic Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Gulf Atlantic Bank's $233M falls in the highlighted band.

Capital & credit buffers at Gulf Atlantic Bank

Tier 1 capital ratio
Well-capitalized 10%

9.98% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
9.98%
Texas Ratio
2.78%
Equity Capital
$20M

What these ratios mean →

Profitability metrics: Gulf Atlantic Bank

Return on Assets (ROA)
31st percentile nationally
0.82%
Return on Equity (ROE)
9.74%
Efficiency Ratio
68.91%

What these mean →

Income & expense at Gulf Atlantic Bank

$13M
Interest Income
$491K
Non-Interest Income
$6M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Gulf Atlantic Bank reports a Texas Ratio of 2.78% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

2.78% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Gulf Atlantic Bank on FDIC BankFind →

Top banks in Florida by total assets

Largest banks headquartered in Florida
  1. 1
    SouthState Bank $67.2B

    Winter Haven, FL · Grade A

  2. 2
    EverBank $46.0B

    Jacksonville, FL · Grade B

  3. 3
    Raymond James Bank $43.4B

    Saint Petersburg, FL · Grade A

  4. 4
    BankUnited $35.0B

    Miami Lakes, FL · Grade B

  5. 5
    City National Bank of Florida $28.0B

    Miami, FL · Grade A

Top 5 banks in Florida ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($233M here), outside Florida so the neighborhood is not state containment.

Bank of Milton $233M · WI The First National Bank of Sycamore $233M · OH The Citizens National Bank of Hillsbo… $233M · TX Center National Bank $233M · MN

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Gulf Atlantic Bank (FDIC Cert #59181) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Gulf Atlantic Bank Call Report profile · FDIC Failed Bank List · Florida FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Florida

All Florida banks →
BankAssetsGradeROA
SouthState Bank, National AssociationWinter Haven $67.2B A 1.40%
EverBank, National AssociationJacksonville $46.0B B 0.72%
Raymond James BankSaint Petersburg $43.4B A 1.47%
BankUnited, National AssociationMiami Lakes $35.0B B 0.89%
City National Bank of FloridaMiami $28.0B A 0.96%
Seacoast National BankStuart $20.8B A 0.91%
Amerant Bank, National AssociationCoral Gables $9.8B C 0.64%
Ocean BankMiami $7.4B B 0.92%