Intracoastal Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio dropped 3.78 percentage points in Q2 2026, from 82.65% to 78.87%. It was the largest change from Q1 2026 among the key lines here. Intracoastal Bank ranks 20th of 79 Florida banks on return on assets, in the upper half at 1.40% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Intracoastal Bank sits 0.15 points higher, at 1.40% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.83% |
| Tier 1 risk-based capital ratio | 11.83% |
| Total risk-based capital ratio | 13.08% |
| Tier 1 leverage ratio | 9.77% |
| Equity capital to assets | 7.75% |
| Tangible equity to tangible assets | 7.75% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.04% |
| Non-performing assets ratio | 0.03% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.35% |
| Allowance for credit losses to loans | 1.42% |
| Reserve coverage of non-performing loans | 3263.48% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.40% |
| Return on equity | 18.35% |
| Net interest margin | 3.76% |
| Efficiency ratio | 63.26% |
| Yield on earning assets | 5.67% |
| Cost of funds | 2.07% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.87% |
| Core deposits to total deposits | 77.33% |
| Brokered deposits to total deposits | 6.65% |
| Deposits to assets | 90.47% |
| Securities to assets | 20.63% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.64% | 10.64% | 11.89% | 9.45% | 1.59% |
| Q4 2023 | 11.18% | 11.18% | 12.43% | 10.10% | 1.54% |
| Q1 2024 | 10.80% | 10.80% | 12.05% | 9.75% | 1.06% |
| Q2 2024 | 10.82% | 10.82% | 12.06% | 9.54% | 1.16% |
| Q3 2024 | 10.70% | 10.70% | 11.90% | 9.48% | 1.16% |
| Q4 2024 | 10.63% | 10.63% | 11.88% | 9.11% | 0.90% |
| Q1 2025 | 10.62% | 10.62% | 11.87% | 9.06% | 1.13% |
| Q2 2025 | 10.74% | 10.74% | 11.99% | 9.15% | 1.35% |
| Q3 2025 | 11.09% | 11.09% | 12.34% | 9.50% | 1.54% |
| Q4 2025 | 11.44% | 11.44% | 12.69% | 9.69% | 1.20% |
| Q1 2026 | 11.60% | 11.60% | 12.85% | 9.81% | 1.34% |
| Q2 2026 | 11.83% | 11.83% | 13.08% | 9.77% | 1.40% |
Intracoastal Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Intracoastal Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)