Intracoastal Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Intracoastal Bank of Palm Coast, FL against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.40% | 1.34% | +0.06% | 58th above |
| ROAE | 18.35% | 13.31% | +5.04% | 81st top |
| Net Interest Margin | 3.76% | 3.93% | -0.17% | 40th below |
| Efficiency Ratio | 63.26% | 61.14% | +2.12% | 44th below |
| PPNR / Avg Assets | 1.39% | 1.68% | -0.29% | 39th below |
| Yield on Earning Assets | 5.67% | 5.67% | +0.00% | 53rd above |
| Cost of Funds | 2.07% | 1.88% | +0.19% | 33rd below |
| Net Interest Spread | 3.22% | 3.32% | -0.10% | 44th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.04% | 0.94% | -0.90% | 79th top |
| NPA / Total Assets | 0.03% | 0.70% | -0.67% | 81st top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.42% | 1.28% | +0.14% | 73rd above |
| ACL / NPLs (Coverage) | 3263.48% | 1537.62% | +1725.86% | — |
| Texas Ratio | 0.35% | 7.34% | -6.99% | 83rd top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.83% | 19.51% | -7.68% | 16th bottom |
| Tier 1 Ratio | 11.83% | 19.54% | -7.71% | 15th bottom |
| Total Capital Ratio | 13.08% | 20.63% | -7.55% | 17th bottom |
| Leverage Ratio | 9.77% | 12.14% | -2.37% | 27th below |
| Equity / Assets | 7.75% | 11.38% | -3.63% | 11th bottom |
| TCE / Tangible Assets | 7.75% | 11.09% | -3.34% | 13th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 78.87% | 80.64% | -1.77% | 53rd above |
| Core Deposit Ratio | 77.33% | 86.87% | -9.54% | 11th bottom |
| Wholesale Funding Ratio | 0.87% | 5.04% | -4.17% | 83rd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.19% | 6.86% | -7.05% | 18th bottom |
| Loan Growth (Y/Y) | -5.28% | 7.91% | -13.19% | 7th bottom |
| Deposit Growth (Y/Y) | 2.32% | 6.29% | -3.97% | 37th below |
See Intracoastal Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Intracoastal Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Intracoastal Bank profile, how to read a UBPR, or how this data updates.