TellerScore

Headquartered in Sarasota, Florida, Gulfside Bank is a state-chartered bank with $344.6M in total assets and $294.1M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 2018.

Gulfside Bank has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 64% of its 2,650 banks with $100 million – $1 billion. Among 82 banks headquartered in Florida, it ranks 15th. Loan quality contributes the most (100/100, 0.00%); funding & liquidity contributes the least (44/100, 86% loans-to-deposits, 42% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion62/100
Tier 1 leverage ratio: 11.24%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings78/100
Return on assets (annualized): 1.45%
Funding & liquidity44/100
Loans ÷ deposits and uninsured-deposit share: 86.1% · 41.8% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.21%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 4 points (72 → 76), mostly because the earnings component improved by 11 points.

TellerScore
707376Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202474
Q4 202473
Q1 202571
Q2 202572
Q3 202573
Q4 202573
Q1 202675
Q2 202676
Tier 1 leverage ratio
5.00%8.12%11.24%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.44%
Q3 202410.59%
Q4 202410.67%
Q1 202510.24%
Q2 202510.33%
Q3 202510.52%
Q4 202510.42%
Q1 202611.04%
Q2 202611.24%
Noncurrent loans
0.00%0.03%0.07%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.07%
Q1 20250.06%
Q2 20250.06%
Q3 20250.06%
Q4 20250.02%
Q1 20260.02%
Q2 20260.00%
Return on assets
1.11%1.28%1.45%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.16%
Q3 20241.28%
Q4 20241.26%
Q1 20251.11%
Q2 20251.18%
Q3 20251.20%
Q4 20251.27%
Q1 20261.25%
Q2 20261.45%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$344.6M11.24%0.00%1.45%86.1%
Q1 202675$362.3M11.04%0.02%1.25%76.1%
Q4 202573$321.1M10.42%0.02%1.27%83.6%
Q3 202573$337.0M10.52%0.06%1.20%78.2%
Q2 202572$315.6M10.33%0.06%1.18%79.1%
Q1 202571$320.4M10.24%0.06%1.11%75.7%
Q4 202473$291.7M10.67%0.07%1.26%81.0%
Q3 202474$281.1M10.59%0.00%1.28%78.6%
Q2 202470$283.1M9.44%0.00%1.16%74.6%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.24%
54th
Total risk-based capital0.00%
24th
Problem loans0.00%
94th
Net charge-offs0.00%
68th
Return on assets1.45%
63rd
Net interest margin3.92%
49th
Efficiency ratio51.8%
80th
Loans to deposits86.1%
35th
Uninsured deposits41.8%
9th
Loan-loss reserves1.05%
32nd
Texas ratio1.2%
66th

Similar-size banks in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
Interamerican Bank, A FSBBank Miami, FL65 out of 100, Moderate$355.7M11.2%0.73%vs
The First National Bank of Mount DoraBank Mount Dora, FL77 out of 100, Strong$358.0M12.3%0.41%vs
Desjardins Bank, National AssociationBank Hallandale, FL84 out of 100, Strong$362.1M19.3%0.31%vs
BankMiamiBank Coral Gables, FL62 out of 100, Moderate$317.9M11.4%0.00%vs
Evermore BankBank Fort Lauderdale, FL74 out of 100, Strong$316.9M13.5%0.00%vs
TCM Bank, National AssociationBank Tampa, FL57 out of 100, Moderate$382.4M18.3%0.93%vs

Deposit insurance

Is my money safe at Gulfside Bank?

Yes. Gulfside Bank is an FDIC-insured institution (FDIC certificate #59140). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 41.8% of deposits ($123.0M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.24%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

Gulfside Bank lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Gulfside Bank
Type
State-chartered bank
FDIC certificate #
59140
RSSD ID
5303724
Primary regulator
FDIC
Established
November 13, 2018
Headquarters
333 N Orange Ave, Sarasota, FL 34236
Employees
30

Quick answers

Gulfside Bank: common questions

Is Gulfside Bank FDIC insured?

Yes. Gulfside Bank is an FDIC-insured institution (FDIC certificate #59140). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Gulfside Bank's TellerScore?

76 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Gulfside Bank ever failed?

There is no failure record for FDIC certificate #59140 in the FDIC failed bank list.

How many branches does Gulfside Bank have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Sarasota

InstitutionScoreAssetsCapitalProblem loansCompare
1st Street Credit UnionCredit union Sarasota, FL89 out of 100, Very strong$34.5M14.7%0.10%vs
Crews Bank & TrustBank Wauchula, FL85 out of 100, Very strong$2.3B10.7%0.06%vs
Centennial BankBank Conway, AR79 out of 100, Strong$24.6B12.6%0.55%vs
American Pride BankBank Macon, GA77 out of 100, Strong$1.0B14.1%0.00%vs
Bank OZKBank Little Rock, AR76 out of 100, Strong$41.7B14.0%0.92%vs
1st Source BankBank South Bend, IN75 out of 100, Strong$9.3B13.7%0.99%vs