Gulfside Bank: how it compares with its peers
Against 29 FL banks with half to twice its assets, Gulfside Bank's strongest measure in Q2 2026 is efficiency ratio (51.77% vs. a 71.65% peer median). Its weakest relative measure is net interest margin (3.92% vs. 3.77%).
| Measure | Gulfside Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.45% | 0.84% | Top third Ahead of 86% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.92% | 3.77% | Middle third Ahead of 66% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 51.77% | 71.65% | Top third Ahead of 93% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $11.5M | $7.9M | Top third Ahead of 93% of peers |
| Loans to deposits Net loans and leases over total deposits. | 86.09% | 75.46% | Context |
What it means for lending operations
Its efficiency ratio of 51.77% is better than the 71.65% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Interamerican Bank, A FSB Miami, FL · $356M
- The First National Bank of Mount Dora Mount Dora, FL · $358M
- Desjardins Bank, National Association Hallandale, FL · $362M
- BankMiami Coral Gables, FL · $318M
- Evermore Bank Fort Lauderdale, FL · $317M
- TCM Bank, National Association Tampa, FL · $382M
Questions about Gulfside Bank
How big is Gulfside Bank?
Gulfside Bank, established in 2018, is headquartered in Sarasota, FL. It reported $345M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Gulfside Bank's return on assets?
1.45% annualized in Q2 2026, against a 0.84% median for 29 FL banks with half to twice its assets, ahead of 86% of them.
What is Gulfside Bank's efficiency ratio?
51.77% in Q2 2026: it spent about 52 cents in noninterest expense for each dollar of revenue. The peer median is 71.65%, and lower is better.
Is Gulfside Bank growing its loans?
Net loans grew 12.6% over the year to Q2 2026, while deposits grew 3.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are FL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Florida bank ranked.