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Intracoastal Bank

Palm Coast, FL · Cert 58692 · Intracoastal Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

27

Q2 2024Q2 2026peer median (50)

Asset Quality

91

Q2 2024Q2 2026peer median (50)

Profitability

62

Q2 2024Q2 2026peer median (50)

Liquidity

94

Q2 2024Q2 2026peer median

Efficiency

90

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Intracoastal Bank

Palm Coast, FL · Cert 58692 · Intracoastal Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$573.2MAssets
$409.0MLoans
$518.6MDeposits
$44.4MEquity
Loan mix
95%RE $396.0M5%C&I $19.0M0%Consumer $0.4MQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $433.5M16%Noninterest $85.1MQ2 2025Q2 2026

NIM

4.93%Q2 ’245.05%Q2 ’255.40%Q2 ’26+14%+12%

Non-interest income vs. expense

1.95%Q2 ’242.02%Q2 ’252.12%Q2 ’26+5%-26%

Market Position · Deltona-Daytona Beach-Ormond Beach, FL · 2026 SOD (annual) · 3.4% share · #9 of 20 inst. · $0.5B of $15.0B

13.2% Flagler
1.4% Volusia

Executive Summary

  • Earnings: ROA of 1.09%, up 9 bps year over year; NIM at 3.59%.
  • Asset quality: problem loans at 0.04% of loans (-161 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.77%, up 62 bps from a year ago.
  • Funding: loans stand at 78.87% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.09%+9 bps YoY

Net Interest Margin (YTD, annualized)

3.59%+37 bps YoY

Efficiency Ratio (YTD, annualized)

48.83%-1,100 bps YoY

Tier 1 Leverage Ratio

9.77%+62 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.01%1.08%1.06%1.07%1.09%+9 bps
Return on Equity16.17%16.73%15.83%13.86%14.15%-202 bps
Net Interest Margin3.22%3.32%3.37%3.62%3.59%+37 bps
Efficiency Ratio59.83%60.50%63.28%37.56%48.83%-1,100 bps
Non-Interest Burden1.86%1.95%2.07%0.52%1.37%-49 bps
Growth
Asset Growth (YoY)6.03%4.60%-0.32%-1.98%-0.19%-622 bps
Loan Growth (YoY)8.75%3.07%-0.02%-2.98%-5.28%-1,403 bps
Deposit Growth (YoY)3.48%5.56%-3.09%-1.68%2.32%-116 bps
Asset Quality
Nonperforming Loans / Loans1.65%1.68%0.05%0.04%0.04%-161 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.44%1.39%1.36%1.40%1.42%-2 bps
Allowance Coverage of NPLs0.9x0.8x25.6x32.6x32.6x+31.8x
Capital
Tier 1 Leverage Ratio9.15%9.50%9.69%9.81%9.77%+62 bps
Total Risk-Based Capital11.99%12.34%12.69%12.85%13.08%+109 bps
Equity / Assets6.41%7.05%7.69%7.74%7.75%+134 bps
Liquidity & Funding
Loans / Deposits85.20%83.13%88.73%82.65%78.87%-633 bps
Liquid Assets / Assets1.95%5.57%0.86%4.85%4.70%+275 bps
CRE / Total Capitaln/a659%640%628%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Intracoastal Bank

Palm Coast, FL · Cert 58692 · Peer group: banks under $1B in assets (n=581-629) · Intracoastal Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$573.2MAssets
$409.0MLoans
$518.6MDeposits
$44.4MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
  • Widest gap: equity / assets trails 90% of banks under $1B in assets (rank 566 of 629).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.07%

Rank 291 of 629

Net Interest Margin

3.59%

Rank 293 of 629

Efficiency Ratio

48.83%

Rank 63 of 629

Equity / Assets

7.75%

Rank 566 of 629

Non-interest income vs. expense

$4.3M$12.2MINCOMEEXPENSE
Unfavorable gap of $7.9M · efficiency ratio beats 90% of banks under $1B in assets
Bank 48.83%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.07%0.60%1.01%1.45%Beats 54%291 / 629
Return on Equity13.85%5.38%9.30%13.28%Beats 78%137 / 629
Net Interest Margin3.59%3.03%3.54%4.05%Beats 53%293 / 629
Efficiency Ratio48.83%58.35%67.79%79.08%Beats 90%63 / 629
Asset Quality
Nonperforming Loans / Loans0.04%0.09%0.46%1.20%Beats 81%110 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio11.83%11.24%13.84%18.77%Beats 32%430 / 629
Total Risk-Based Capital Ratio13.08%11.58%14.43%19.66%Beats 39%382 / 629
Equity / Assets7.75%9.09%10.65%13.80%Beats 10%566 / 629
Liquidity & Funding
Loans / Deposits78.87%67.24%80.90%93.48%47th pctl315 / 594
Loans / Assets71.36%53.31%67.71%78.15%57th pctl270 / 629
Brokered Deposits / Depositsn/aNot reported for this institution