GULF ATLANTIC BANK

KEY WEST, FL · Supervised by FDIC

Est. 2020FDIC #59,181RSSD: FDIC-59181

Part ofGULF ATLANTIC FINANCIAL CORP→ View all charters

Satisfactory

Current rating · Exam: August 2022

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.87%

Institution Profile

FDIC BankFind

Website

www.gulfatlanticbank.com

Address

2222 N Roosevelt Blvd, KEY WEST, FL

County

Monroe County

Established

April 13, 2020

Total Assets

$245M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

August 1, 2022

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:Aug 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$245M

Total Deposits

$206M

Net Loans

$189M

Net Income

$523K

ROA

0.87%

ROE

10.02%

Risk-Based Capital

11.36%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$165M

1-Year Change

5-year net change: +1 branches

This is the only examination on record for this bank.

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