$415M
−3.0%y/y
Percentile by value64th percentileby value
FDIC
LNLSGRIB
Intracoastal Bank
Palm Coast, FloridaFDIC Cert #58692
STATEEstablished 20083 branches
Holding company: INTRACOASTAL BCORP INCRegulator: FDIC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $151M |
| Investor CRE | $145M |
| Multifamily | $3.07M |
| Construction | $49.3M |
| 1–4 family | $47.1M |
| C&I | $19M |
| Agriculture | $58K |
| Other |
Loan book
Reported balances and balance-sheet intensity.
$409M
−3.0%y/y
Percentile by value64th percentileby value
FDIC
LNLSNET−2.98%
−128.1%y/y
Percentile by value10th percentileby value
FDIC
LNLSNET81.5%
−1.3%y/y
Percentile by value52nd percentileby value
FDIC
LNLSNET + DEP72.3%
−1.0%y/y
Percentile by value59th percentileby value
FDIC
LNLSNET + ASSET101.68%
+1.3%y/y
Percentile by value94th percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
321%
+3.9%y/y
Percentile by value90th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC80%
+0.1%y/y
Percentile by value84th percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC2,888points
−3.8%y/y
Peer standing22nd percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD36.52%
−13.7%y/y
Percentile by value99th percentileby value
FDIC
LNRENROW + LNLSGR34.98%
+14.6%y/y
Percentile by value95th percentileby value
FDIC
LNRENROT + LNLSGR4.59%
−8.3%y/y
Percentile by value19th percentileby value
FDIC
LNCI + LNLSGR