Intracoastal Bank
Palm Coast, FL
IDRSSD: 3786435
Total Assets
$578.42M
Latest filing
Total Deposits
$511.57M
Latest filing
Net Interest Margin
3.61%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Intracoastal Bank
1290 Palm Coast Pkwy Nw
Palm Coast, FL 32137
Full Service - Brick and Mortar
Updated 11/14/2025Established 06/16/2008FDIC Certificate 463041
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Intracoastal Bank (Main) | 1290 Palm Coast Pkwy Nw | Palm Coast, FL |
| MESSENGER SERVICE BRANCH | 1290 Palm Coast Pkwy Nw | Palm Coast, FL |
| DAYTONA BRANCH | 2140 Lpga Blvd | Daytona Beach, FL |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 06/16/2008 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 32137 |
| State and County Number | 12035 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Deltona-Daytona Beach-Ormond Beach, FL |
Operational Info
| Number of Employees | 49 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 06/16/2008 |
| Primary Insurance Agency | DIF |
| Website | www.intracoastal.bank |
| Data Updated | 11/14/2025 |
| CERT | 58692 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $578.42M |
| Total Deposits | $511.57M |
| Total Liabilities | $537.63M |
| Total Equity Capital | $40.78M |
| Net Income | $2.22M |
| Net Loans and Leases | $419.38M |
| Assets Per Employee ($Millions) | $11.8M |
| Bank Premises and Fixed Assets | $5.46M |
| Cash and Balances due from Depository Institutions | $36.53M |
| Deposits Held in Domestic Offices | $511.57M |
Key Performance Ratios
| Return on Assets (ROA) | 1.54% |
| Return on Equity (ROE) | 22.93% |
| Net Interest Margin | 3.61% |
| Efficiency Ratio | 61.78% |
| Tier 1 Risk-Based Capital Ratio | 11.087% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.17% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.051% |
| Earning Assets to total Assets | 95.54% |
Income and Expense
| Total Interest Income | $7.64M |
| Total Noninterest Income | $229.00k |
| Total Interest Expense | $2.68M |
| Total Noninterest Expense | $3.21M |
| Net Interest Income | $4.96M |
| Pre-tax Net Operating Income | $2.22M |
| Provision for Credit Losses | $-241,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $20.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $6.06M |
| Total Liabilities and Capital | $578.42M |
Securities
| Securities | $101.06M |
| Available-for-sale debt securities | $101.06M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Intracoastal Bank?
$578.42M as of the latest filing.
How much are Intracoastal Bank's total deposits?
$511.57M in total deposits.
Where is Intracoastal Bank located?
Palm Coast, FL.
What is the Net Interest Margin?
3.61%.
How many domestic offices does it operate?
3.
When was it established?
06/16/2008.
What is the Return on Assets (ROA)?
1.54%.
How much are total loans and leases?
$419.38M (latest filing).
What is the total interest income (latest filing)?
$7.64M.