Checked
Gulfside Bank
Sarasota, FL · State-chartered bank (not a Fed member)
- Total assets
- $344.6M
- Q2 2026
- Deposits
- $294.1M
- Net income
- $2.49M
- first half of 2026
- Return on assets
- 1.45%
- Annualized
Bank details
As reported to the FDIC
- FDIC certificate
- 59140
- Main office
- Sarasota, FL
- Charter
- State-chartered bank (not a Fed member)
- Primary federal regulator
- Federal Deposit Insurance Corporation (FDIC)
- Established
- 11/13/2018
- FDIC insured since
- 11/13/2018
- U.S. offices
- 2
- Employees (full-time equivalent)
- 30
- Specialty
- Commercial Lending Specialization
- Website
- www.gulfsidebank.com
Quarterly financials
From the bank's Call Reports. Income figures are year to date; ratios are annualized.
| Quarter | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $344.6M | $362.3M | $321.1M | $337M | $315.6M | $320.4M | $291.7M | $281.1M |
| Deposits | $294.1M | $313.5M | $273.6M | $293.6M | $284.3M | $289.9M | $262.5M | $253.5M |
| Net loans and leases | $253.2M | $238.7M | $228.6M | $229.7M | $224.8M | $219.4M | $212.6M | $199.4M |
| Securities | $58.61M | $60.52M | $63.1M | $58.73M | $46.46M | $50.76M | $50.73M | $52.6M |
| Equity capital | $35.47M | $33.65M | $32.27M | $30.11M | $28.58M | $27.62M | $26.22M | $26.09M |
| Net income (year to date) | $2.49M | $1.07M | $4.03M | $2.84M | $1.83M | $849K | $3.58M | $2.71M |
| Return on assets | 1.45% | 1.25% | 1.27% | 1.20% | 1.18% | 1.11% | 1.26% | 1.28% |
| Return on equity | 14.74% | 12.97% | 13.90% | 13.44% | 13.32% | 12.62% | 14.69% | 15.11% |
| Net interest margin | 3.92% | 3.74% | 3.85% | 3.81% | 3.92% | 3.84% | 3.75% | 3.69% |
| Efficiency ratio | 51.8% | 55.6% | 56.8% | 58.2% | 59.3% | 61.6% | 57.9% | 57.2% |
| Noncurrent loans | 0.00% | 0.02% | 0.02% | 0.06% | 0.06% | 0.06% | 0.07% | 0.00% |
| Net charge-off rate | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Leverage (core capital) ratio | 11.24% | 11.04% | 10.42% | 10.52% | 10.33% | 10.24% | 10.67% | 10.59% |
| Total risk-based capital ratio | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Assets grew 9.2% from Q2 2025.
Loan mix
Share of gross loans, Q2 2026
- Real estate loans$232.4M91.8%
- Commercial and industrial loans$14.22M5.6%
- Consumer loans$292K0.1%
Find bank branches in Florida · Employees: 30
Frequently asked questions
- What is Gulfside Bank's FDIC certificate number?
- Gulfside Bank's FDIC certificate number is 59140.
- How big is Gulfside Bank?
- Gulfside Bank reported total assets of $344.6M and deposits of $294.1M as of Q2 2026.
- Is Gulfside Bank FDIC insured?
- Yes. Gulfside Bank has been insured by the FDIC since 11/13/2018. Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
Source: Federal Deposit Insurance Corporation, BankFind Suite (Call Report data) · Last updated 06/30/2026