Intracoastal Bank
Palm Coast, Florida · FDIC Cert #58692
This is the FDIC profile for Intracoastal Bank, an FDIC-insured bank (Certificate #58692) with $542M in total assets and $490M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Palm Coast, Florida, the bank maintains a Tier 1 capital ratio of 10.82% (Well-Capitalized) and a nonperforming loan ratio of 1.86%. BankHealthData assigns a composite Health Grade of B (68/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Intracoastal Bank (FDIC cert 58692) is a community bank — $542M in total assets, $490M in deposits, serving the Palm Coast, Florida area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 10.82% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is normal: non-performing loan ratio of 1.86% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is in the normal range: 23.8% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is solid: ROA of 1.11% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Intracoastal Bank carries a composite BankHealth grade of B (68/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Intracoastal Bank
- Total Assets
- $542M
- Total Deposits
- $490M
- Tier 1 Capital Ratio
- 10.82%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.86%
- Liquidity Ratio
- 23.81%
- Return on Assets
- 1.11%
- Headquarters
- Palm Coast, Florida
- FDIC Certificate
- #58692
- Health Grade
- B (68/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Intracoastal Bank files quarterly Call Reports with the FDIC under Certificate #58692. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Intracoastal Bank holds a Tier 1 capital ratio of 10.82%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Intracoastal Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Intracoastal Bank shows strong financial health indicators. With $542M in assets and a Health Score of 68/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Intracoastal Bank Compares
Intracoastal Bank’s Health Score of 68 is 14 points below the Florida state average of 82 across 83 FDIC-insured banks. Its 10.82% Tier 1 capital ratio is 3.2 points below the US banking industry average near 14%. The 1.86% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.11% is in line with or above the national ROA benchmark of ~1.1%. Among 1420 similarly-sized banks, the average Health Score is 79, meaning this bank ranks below its size cohort. Site-wide, Intracoastal Bank is 12 points below the portfolio average of 80.
Frequently Asked Questions
Intracoastal Bank has a Bank Health Score of B (68/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 10.82%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Intracoastal Bank's Tier 1 capital ratio of 10.82% and nonperforming loan ratio of 1.86% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Intracoastal Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #58692). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Intracoastal Bank holds $542M in total assets and $490M in total deposits. It is headquartered in Palm Coast, Florida (FDIC Certificate #58692).
Intracoastal Bank's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #58692 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Intracoastal Bank has a Tier 1 capital ratio of 10.82%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.86%, and the return on assets is 1.11%.
Yes. Intracoastal Bank is FDIC-insured (Certificate #58692). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Intracoastal Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.