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Intracoastal Bank
Palm Coast, FL · FDIC Certificate #58692 · Chartered 06/1
Total assets
$573.18M
Total deposits
$518.58M
Total equity
$44.42M
Net loans
$403.21M
Branches (offices)
2
Net income (YTD)
$3.92M
Rank: #1,613 of 4,213 U.S. banks by assets · #44 of 81 in Florida. Assets changed -0.2% and deposits 2.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.39% |
| Return on equity | 18.03% |
| Net interest margin (YTD) | 3.88% |
| Equity to assets | 7.75% |
| Tier 1 leverage ratio | 9.77% |
| Uninsured deposits (share of deposits) | 35.6% |
| Noncurrent loans (share of loans) | 0.04% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 77.8% |
| Real estate loans (share of loans) | 96.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $390.27M | 96.8% | |
| Commercial & industrial | $19.04M | 4.7% | |
| Consumer / individual | $473.00K | 0.1% | |
| Construction & development | $44.08M | 10.9% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $550.21M | $518.67M | $4.45M | $28.36M |
| Jun 2023 | $491.82M | $442.22M | $4.25M | $24.99M |
| Jun 2024 | $541.60M | $489.77M | $2.92M | $31.43M |
| Jun 2025 | $574.27M | $506.82M | $3.63M | $36.81M |
| Jun 2026 | $573.18M | $518.58M | $3.92M | $44.42M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Florida | $518.58M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $518.58M.
Similar-sized banks
Mid-America Bank ($573.25M) · The Bank Of South Carolina ($571.24M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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