Intracoastal Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 19.73 percentage points lower than in Q1 2026, at 301.92%. Intracoastal Bank ranks 33rd of 81 Florida banks on loan-to-deposit ratio, in the upper half at 78.87% (Q2 2026). At 78.87%, Intracoastal Bank's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $409.0M |
| Net loans and leases | $403.2M |
| Loans held for sale | $0 |
| Loans to total assets | 71.36% |
| Loan-to-deposit ratio | 78.87% |
| Net loans to equity capital | 9.08% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 72.32% |
| Multifamily (5+ residential) | 0.65% |
| Commercial and industrial | 4.64% |
| Consumer | 0.12% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 301.92% |
| Construction concentration (Tier 1 capital + allowance) | 70.88% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $6.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $357.9M | $453.1M | 68.63% | 4.93% | 0.05% |
| Q4 2023 | $360.9M | $445.5M | 66.86% | 5.04% | 0.05% |
| Q1 2024 | $386.4M | $481.7M | 67.21% | 4.59% | 0.05% |
| Q2 2024 | $397.1M | $489.8M | 72.31% | 5.01% | 0.05% |
| Q3 2024 | $412.6M | $484.6M | 72.42% | 4.84% | 0.35% |
| Q4 2024 | $418.8M | $486.9M | 71.44% | 5.08% | 0.04% |
| Q1 2025 | $427.5M | $510.3M | 72.69% | 5.00% | 0.04% |
| Q2 2025 | $431.8M | $506.8M | 72.64% | 4.66% | 0.11% |
| Q3 2025 | $425.3M | $511.6M | 75.00% | 4.33% | 0.10% |
| Q4 2025 | $418.7M | $471.9M | 74.00% | 4.12% | 0.11% |
| Q1 2026 | $414.7M | $501.8M | 71.37% | 4.58% | 0.11% |
| Q2 2026 | $409.0M | $518.6M | 72.32% | 4.64% | 0.12% |
Intracoastal Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Intracoastal Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Intracoastal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58692) · FFIEC NIC profile (RSSD 3786435)