Intracoastal Bank
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Data as of · sourced from FFIEC call reports. How we update
Intracoastal Bank is an FDIC-insured commercial bank headquartered in Palm Coast, FL, established in 2008 (FDIC certificate 58692), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $573.2M, down 0.2% from Q2 2025, the 44th largest of 81 banks headquartered in Florida. Its CET1 capital ratio was 11.83% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 58692
- Headquarters
- Palm Coast, FL
- Established
- 2008
- Total assets, Q2 2026
- $573.2M
- Assets vs Q2 2025
- -0.2%
- CET1 ratio, Q2 2026
- 11.83%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 063116562
- Latest call report
- Q2 2026, FFIEC 051 · Intracoastal Bank call report
- Holding company
- INTRACOASTAL BANCORP, INC.
- Asset rank in state
- 44th of 81 in Florida
Intracoastal Bank leans heavily on commercial real estate. Based in Palm Coast, Florida, it had $573 million in assets at June 30, 2026. It holds commercial real estate loans worth 3.0 times its capital, 2.5 times the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also shrank its loan book 5.3% over the year, lower than about 9 in 10 banks its size (median 5.5%).
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.04% of loans from 1.65%. Loans and deposits moved in opposite directions: over the year loans fell 5.3% and deposits rose 2.3%. Where it has less room is capital: it holds common equity equal to 11.83% of its risk-weighted assets, lower than about three-quarters of banks its size (median 15.12%).
As of June 30, 2026, Intracoastal Bank reported a CET1 capital ratio of 11.83%, a return on assets of 1.40%, a nonperforming-loan ratio of 0.04% and a Texas ratio of 0.35%. The figures come from its call report filed with the FFIEC.
Intracoastal Bank ranks as the 44th largest of the 81 banks based in Florida, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.4% to $573.2M, loans fell 1.4% and deposits rose 3.3%. Owner-occupied commercial real estate loans made up 38.0% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 34.5%. The FDIC Summary of Deposits lists 2 offices for it, in Palm Coast, FL and Daytona Beach, FL; its Palm Coast office books 66% of its branch deposits. By the capital ratios in its Q2 2026 call report, Intracoastal Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1290 Palm Coast Pkwy Nw, Palm Coast, FL 32137
- County
- Flagler
- Metro Area
- Deltona-Daytona Beach-Ormond Beach, FL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 16, 2008
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 52
- Domestic deposits
- $518.6M
- Allowance for credit losses
- $5.8M
- Net charge-offs (YTD)
- $0
- Average total assets
- $576.9M
- Average total loans
- $411.2M
- Average interest-bearing deposits
- $418.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 16, 2008
- FDIC Cert
- 58692
- Fed RSSD
- 3786435
- Website
- www.intracoastal.bank →
- Parent Holding Company
- INTRACOASTAL BANCORP, INC. (RSSD 5105432)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Intracoastal Bank's total assets ranged from $497.8M (Q3 2023) to $578.4M (Q3 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$573.2M total assets against $574.3M; $528.8M total liabilities against $537.5M.
$403.2M net loans and leases against $425.6M; $518.6M total deposits against $506.8M.
$118.3M securities against $109.6M; $31.0M cash and balances due against $17.3M.
$7.9M total interest income against $7.6M; $2.7M total interest expense against $2.7M.
$5.2M net interest income against $4.9M.
$231K total noninterest income against $234K; $3.5M total noninterest expense against $2.9M.
-$12K provision for credit losses against $343K.
$2.0M net income against $2.0M.
1.40% return on assets against 1.35%; 3.76% net interest margin against 3.47%.
11.83% CET1 capital ratio against 10.74%; 9.77% tier 1 leverage ratio against 9.15%.
Inside the full Intracoastal Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Intracoastal Bank rankings
Its closest position to the top of a national ranking is 1,606 of 4,196, for total assets; its furthest is 3,050 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.90% (Q4 2024) to 1.54% (Q3 2025) and its net interest margin ran from 3.04% (Q3 2024) to 3.76% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.83% | 1.40% | 0.04% | 0.35% | 3.76% |
| Q1 2026 | 11.60% | 1.34% | 0.04% | 0.36% | 3.76% |
| Q4 2025 | 11.44% | 1.20% | 0.05% | 15.40% | 3.57% |
| Q3 2025 | 11.09% | 1.54% | 1.68% | 15.26% | 3.54% |
| Q2 2025 | 10.74% | 1.35% | 1.65% | 16.55% | 3.47% |
| Q1 2025 | 10.62% | 1.13% | 1.67% | 16.93% | 3.21% |
| Q4 2024 | 10.63% | 0.90% | 1.66% | 17.90% | 3.06% |
| Q3 2024 | 10.70% | 1.16% | 1.68% | 16.70% | 3.04% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Intracoastal Bank (main office) | Palm Coast , FL | 32137 | $344.2M |
| Daytona Branch | Daytona Beach , FL | 32117 | $174.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in FL, rank 86 of 186 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $737K approved, $737K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Intracoastal Bank
What are Intracoastal Bank's total assets?
As of the Q2 2026 filing, Intracoastal Bank reported total assets of $573.2 million in its FFIEC call report.
Where is Intracoastal Bank headquartered?
It is headquartered in Palm Coast, FL, United States.
When was Intracoastal Bank founded?
It was established in 2008, per the FDIC institution directory.
Is Intracoastal Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58692). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Intracoastal Bank?
Intracoastal Bank's primary federal regulator is the FDIC.
What is Intracoastal Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.83% in its Q2 2026 call report, above regulatory requirements.
How many branches does Intracoastal Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Intracoastal Bank's Texas Ratio?
Its Texas Ratio is 0.35% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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