Gulf Atlantic Bank is a bank based in Key West, Florida, established in 2020, with $245 million in total assets across 5 branches. By Trust Grade it ranks 51st of 83 banks we track in Florida. Its capital ratio of 8.8% trails most similarly sized banks (25th percentile), versus a Florida median of 9.3%. It was profitable over the most recent period, with a 0.87% return on assets. No consumer complaints against Gulf Atlantic Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Gulf Atlantic Bank compares to Florida peers
How we graded Gulf Atlantic Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (8.8% capital ratio)
- Profitable (ROA 0.87%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Gulf Atlantic Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (5)
- 2222 N Roosevelt Blvd, Key West, FL 33040
- 1626 Se 36th Ave, Ocala, FL 34471
- 1120 Se 17th St, Ocala, FL 34471
- 105 E Baker St, Plant City, FL 33563
- 120 Us 27 S, Lake Placid, FL 33852
Are deposits at Gulf Atlantic Bank insured?
Yes. Gulf Atlantic Bank is an FDIC-insured bank (FDIC certificate #59181). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Gulf Atlantic Bank: frequently asked questions
Is Gulf Atlantic Bank a good bank?
Gulf Atlantic Bank earns a Bankzia Trust Grade of A (92/100, "Excellent"), based on a financial-strength score of 92/100 (it has no CFPB complaints on record). Well-capitalized (8.8% capital ratio); Profitable (ROA 0.87%).
Is Gulf Atlantic Bank FDIC-insured?
Yes. Gulf Atlantic Bank is a FDIC-insured bank (FDIC certificate #59181). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Gulf Atlantic Bank?
Gulf Atlantic Bank holds $245 million in total assets, ranking 51st of 83 banks we track in Florida. It operates 5 branches.
Does Gulf Atlantic Bank have CFPB complaints?
No CFPB complaints against Gulf Atlantic Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
