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
Unfavorable gap of $7.9M · efficiency ratio beats 90% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |