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 | |