Gulf Atlantic Bank (FDIC #59181): Bank Stress & Real-Estate Credit Exposure
Gulf Atlantic Bank (FDIC Cert #59181): bank stress 81/100, severe, STABLE over 7 days; parent GULF ATLANTIC FINANCIAL CORP.
Gulf Atlantic Bank (#59181) lends in 4 counties across 1 state; Gulf Atlantic Bank (#59181) reaches 112 ZIP codes: Florida 4 counties, 112 ZIPs.
Gulf Atlantic Bank (#59181) largest markets: Hillsborough County, FL (58 branches, 58 ZIPs) (#59181), Marion County, FL (68 branches, 34 ZIPs) (#59181), Monroe County, FL (11 branches, 11 ZIPs) (#59181), Highlands County, FL (9 branches, 9 ZIPs) (#59181).
Gulf Atlantic Bank (#59181) reports $253.2 million in total assets; Gulf Atlantic Bank (#59181) equity $22.7 million (9.0% of Gulf Atlantic Bank (#59181) assets); Gulf Atlantic Bank (#59181) domestic deposits $213.0 million; Gulf Atlantic Bank (#59181) net income $831,000; Gulf Atlantic Bank (#59181) return on assets 0.68%; Gulf Atlantic Bank (#59181) return on equity 7.74%; Gulf Atlantic Bank (#59181) net interest income $5.0 million; Gulf Atlantic Bank (#59181) call report June 30, 2026.
Gulf Atlantic Bank (#59181) noncurrent real-estate loans: none reported; Gulf Atlantic Bank (#59181) net charge-offs on real estate 0.00%.
Gulf Atlantic Bank (#59181) net interest margin 4.44% against an eight-quarter Gulf Atlantic Bank (#59181) average of 4.33% (Gulf Atlantic Bank (#59181) compression -0.11 points); Gulf Atlantic Bank (#59181) rate-exposure score 40/100, Gulf Atlantic Bank (#59181) fixed-rate trap 40/100; Gulf Atlantic Bank (#59181) risk type credit driven; Gulf Atlantic Bank (#59181) rate regime rates elevated, Gulf Atlantic Bank (#59181) snapshot October 19, 2026.
Gulf Atlantic Bank (#59181) stress score moved from 75.8 on June 22, 2026 to 80.5 on October 19, 2026; Gulf Atlantic Bank (#59181) ranged 75.8 to 80.5 over 116 snapshots.
Gulf Atlantic Bank (#59181) alerts: 4 counties; top Gulf Atlantic Bank (#59181) alert scores: Key West County, FL 25 (low); Lake Placid County, FL 25 (low); Ocala County, FL 25 (low); Plant City County, FL 25 (low).