TellerScore

Intracoastal Bank (FDIC certificate #58692) is based in Palm Coast, Florida. Its Q2 2026 call report shows $573.2M in total assets and $518.6M in deposits and 3 offices.

Based on its Q2 2026 filing, Intracoastal Bank scores 73/100, which we describe as strong. That is higher than 53% of 2,650 banks with $100 million – $1 billion. Among 82 banks headquartered in Florida, it ranks 26th. Its strongest component is loan quality (99/100; 0.04%), and its lowest is capital cushion (48/100; 9.77%).

TellerScore · Q2 2026

Scorecard

Capital cushion48/100
Tier 1 leverage ratio: 9.77%
Loan quality99/100
Noncurrent loans ÷ total loans: 0.04%
Earnings76/100
Return on assets (annualized): 1.39%
Funding & liquidity59/100
Loans ÷ deposits and uninsured-deposit share: 77.8% · 35.6% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.35%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 20 points (53 → 73), mostly because the loan quality component improved by 54 points.

TellerScore
516273Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202451
Q3 202452
Q4 202451
Q1 202552
Q2 202553
Q3 202555
Q4 202568
Q1 202673
Q2 202673
Tier 1 leverage ratio
5.00%7.41%9.81%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.54%
Q3 20249.48%
Q4 20249.11%
Q1 20259.06%
Q2 20259.15%
Q3 20259.50%
Q4 20259.69%
Q1 20269.81%
Q2 20269.77%
Noncurrent loans
0.04%0.95%1.86%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.86%
Q3 20241.68%
Q4 20241.66%
Q1 20251.67%
Q2 20251.65%
Q3 20251.68%
Q4 20250.05%
Q1 20260.04%
Q2 20260.04%
Return on assets
1.08%1.23%1.39%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.11%
Q3 20241.12%
Q4 20241.08%
Q1 20251.17%
Q2 20251.28%
Q3 20251.37%
Q4 20251.34%
Q1 20261.36%
Q2 20261.39%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$573.2M9.77%0.04%1.39%77.8%
Q1 202673$565.2M9.81%0.04%1.36%81.5%
Q4 202568$550.5M9.69%0.05%1.34%87.5%
Q3 202555$578.4M9.50%1.68%1.37%82.0%
Q2 202553$574.3M9.15%1.65%1.28%84.0%
Q1 202552$576.6M9.06%1.67%1.17%82.6%
Q4 202451$552.3M9.11%1.66%1.08%84.8%
Q3 202452$553.0M9.48%1.68%1.12%84.0%
Q2 202451$541.6M9.54%1.86%1.11%80.0%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.77%
26th
Total risk-based capital13.08%
57th
Problem loans0.04%
80th
Net charge-offs0.00%
68th
Return on assets1.39%
59th
Net interest margin3.88%
47th
Efficiency ratio48.8%
85th
Loans to deposits77.8%
54th
Uninsured deposits35.6%
16th
Loan-loss reserves1.42%
73rd
Texas ratio0.4%
80th

Similar-size banks in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
Sunstate BankBank Miami, FL76 out of 100, Strong$580.4M11.5%0.00%vs
Sunrise BankBank Orlando, FL68 out of 100, Moderate$622.9M9.5%0.10%vs
Fnbt BankBank Fort Walton Beach, FL79 out of 100, Strong$628.5M11.1%0.00%vs
BankFloridaBank Dade City, FL75 out of 100, Strong$459.5M12.6%0.00%vs
Edison National BankBank Fort Myers, FL67 out of 100, Moderate$453.7M9.0%0.00%vs
Florida Capital Bank, National AssociationBank Jacksonville, FL64 out of 100, Moderate$713.1M9.8%0.16%vs

Deposit insurance

Is my money safe at Intracoastal Bank?

Yes. Intracoastal Bank is an FDIC-insured institution (FDIC certificate #58692). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 35.6% of deposits ($184.4M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.77%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.08% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

Intracoastal Bank lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Intracoastal Bank
Type
State-chartered bank
FDIC certificate #
58692
RSSD ID
3786435
Primary regulator
FDIC
Holding company
Intracoastal Bcorp Inc
Established
June 16, 2008
Headquarters
1290 Palm Coast Pkwy Nw, Palm Coast, FL 32137
Employees
52

Quick answers

Intracoastal Bank: common questions

Is Intracoastal Bank FDIC insured?

Yes. Intracoastal Bank is an FDIC-insured institution (FDIC certificate #58692). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Intracoastal Bank's TellerScore?

73 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Intracoastal Bank ever failed?

There is no failure record for FDIC certificate #58692 in the FDIC failed bank list.

How many branches does Intracoastal Bank have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Palm Coast

InstitutionScoreAssetsCapitalProblem loansCompare
Fairwinds Credit UnionCredit union Orlando, FL73 out of 100, Strong$5.3B11.2%0.46%vs
Capital City BankBank Tallahassee, FL72 out of 100, Strong$4.4B10.3%0.40%vs
SouthState Bank, National AssociationBank Winter Haven, FL68 out of 100, Moderate$68.8B10.3%0.54%vs
Sunrise BankBank Orlando, FL68 out of 100, Moderate$622.9M9.5%0.10%vs
Ameris BankBank Atlanta, GA67 out of 100, Moderate$28.4B11.4%0.57%vs
Space Coast Credit UnionCredit union Melbourne, FL66 out of 100, Moderate$9.2B11.4%0.80%vs