INTRACOASTAL BANK

PALM COAST, FL | Medium | Est. June 16, 2008, midnight | FDIC #58692 | RSSD #3786435 | FDIC
Latest Report: 2025-12-31

INTRACOASTAL BANK is amn medium FDIC-insured commercial bank headquartered in PALM COAST, FL, established in June 16, 2008, midnight. As of 2025-12-31, the bank reported total assets of $551M and total deposits of $472M. Profitability stands at 1.22% ROA and 16.63% ROE, with a net interest margin of 3.82%. The bank's CET1 capital ratio is 11.44%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.05% and a Texas Ratio of 15.40%. FDIC Certificate #58692.

Assets

$551M

Deposits

$472M

Loans

$419M

Equity

$42M

Profitability

Return on Assets (ROA) 1.22%
Return on Equity (ROE) 16.63%
Net Interest Margin (NIM) 3.82%
Yield on Assets 5.89%
Cost of Funds 2.08%

Asset Quality

NPL Ratio 0.05%
Net Charge-Off Ratio --
Texas Ratio 15.40%
NPA Ratio 1.34%
ACL / Loans 1.36%

Capital & Liquidity

CET1 Ratio 11.44%
Tier 1 Capital 11.44%
Total Capital Ratio 12.69%
Leverage Ratio 9.69%
Loan-to-Deposit 88.73%

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