Palm Coast, FL · Cert 58692 · Intracoastal Bcorp Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
27
Asset Quality
91
Profitability
62
Liquidity
94
Efficiency
90
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.
Palm Coast, FL · Cert 58692 · Intracoastal Bcorp Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Deltona-Daytona Beach-Ormond Beach, FL · 2026 SOD (annual) · 3.4% share · #9 of 20 inst. · $0.5B of $15.0B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.89% | 0.85% | 0.92% | 1.01% | 1.08% | 1.06% | 1.07% | 1.09% | +9 bps | |
| Return on Equity | 14.82% | 14.23% | 15.05% | 16.17% | 16.73% | 15.83% | 13.86% | 14.15% | -202 bps | |
| Net Interest Margin | 2.82% | 2.75% | 3.11% | 3.22% | 3.32% | 3.37% | 3.62% | 3.59% | +37 bps | |
| Efficiency Ratio | 64.75% | 63.86% | 64.00% | 59.83% | 60.50% | 63.28% | 37.56% | 48.83% | -1,100 bps | |
| Non-Interest Burden | 1.77% | 1.70% | 1.93% | 1.86% | 1.95% | 2.07% | 0.52% | 1.37% | -49 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.09% | 9.79% | 7.49% | 6.03% | 4.60% | -0.32% | -1.98% | -0.19% | -622 bps | |
| Loan Growth (YoY) | 15.28% | 16.03% | 10.63% | 8.75% | 3.07% | -0.02% | -2.98% | -5.28% | -1,403 bps | |
| Deposit Growth (YoY) | 6.96% | 9.31% | 5.94% | 3.48% | 5.56% | -3.09% | -1.68% | 2.32% | -116 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.68% | 1.66% | 1.67% | 1.65% | 1.68% | 0.05% | 0.04% | 0.04% | -161 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.32% | 1.39% | 1.40% | 1.44% | 1.39% | 1.36% | 1.40% | 1.42% | -2 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.8x | 0.8x | 0.9x | 0.8x | 25.6x | 32.6x | 32.6x | +31.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.48% | 9.11% | 9.06% | 9.15% | 9.50% | 9.69% | 9.81% | 9.77% | +62 bps | |
| Total Risk-Based Capital | 11.90% | 11.88% | 11.87% | 11.99% | 12.34% | 12.69% | 12.85% | 13.08% | +109 bps | |
| Equity / Assets | 6.54% | 5.97% | 6.26% | 6.41% | 7.05% | 7.69% | 7.74% | 7.75% | +134 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.14% | 86.01% | 83.76% | 85.20% | 83.13% | 88.73% | 82.65% | 78.87% | -633 bps | |
| Liquid Assets / Assets | 0.05% | 0.25% | 2.56% | 1.95% | 5.57% | 0.86% | 4.85% | 4.70% | +275 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 659% | 640% | 628% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.07% | 0.60% | 1.01% | 1.45% | Beats 54% | 291 / 629 | ||
| Return on Equity | 13.85% | 5.38% | 9.30% | 13.28% | Beats 78% | 137 / 629 | ||
| Net Interest Margin | 3.59% | 3.03% | 3.54% | 4.05% | Beats 53% | 293 / 629 | ||
| Efficiency Ratio | 48.83% | 58.35% | 67.79% | 79.08% | Beats 90% | 63 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.04% | 0.09% | 0.46% | 1.20% | Beats 81% | 110 / 581 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.83% | 11.24% | 13.84% | 18.77% | Beats 32% | 430 / 629 | ||
| Total Risk-Based Capital Ratio | 13.08% | 11.58% | 14.43% | 19.66% | Beats 39% | 382 / 629 | ||
| Equity / Assets | 7.75% | 9.09% | 10.65% | 13.80% | Beats 10% | 566 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 78.87% | 67.24% | 80.90% | 93.48% | 47th pctl | 315 / 594 | ||
| Loans / Assets | 71.36% | 53.31% | 67.71% | 78.15% | 57th pctl | 270 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||