# INTRACOASTAL BANK
PALM COAST, FL · FDIC certificate 58692 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $573.2M | |
| Deposits | $518.6M | |
| Loans and leases | $409.0M | |
| Total equity | $44.4M | |
| Loans / deposits | 77.75% (p41 of band) | 82.04% |
| Liquid assets / assets | 26.04% (p53 of band) | |
| Uninsured deposits / deposits | 35.55% (p80 of band) | 25.97% |
| Brokered deposits | 6.02% | |
| Wholesale funding | 6.89% (p67 of band) | |
| FHLB advances / assets | 0.87% | |
| Tier 1 leverage | 9.77% (p29 of band) | 10.81% |
| Unrealized securities loss / equity | -26.37% (p15 of band) | -8.10% |
| AOCI / equity | 3.41% (p99 of band) | |
| ROA (annualized) | 1.39% (p57 of band) | 1.28% |
| Net interest margin | 3.88% (p48 of band) | 3.91% |
| Efficiency ratio | 48.83% (p16 of band) | |
| Noncurrent loans | 0.04% (p17 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | 3263.48% | |
| Real estate % of loans | 95% | |
| Construction % of loans | 99.24% (p86 of band) | |
| Auto loans | $37,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 2.3% | |
| Employees | 52 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 1 | AOCI drag >20% of equity |  |
| 2013-12 | 2 | construction >100% equity |  |
| 2014-03 | 0 |  | AOCI drag >20% of equity, construction >100% equity |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | construction >100% equity |  |
| 2015-09 | 0 |  | construction >100% equity |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | construction >100% equity |  |
| 2017-03 | 0 |  | construction >100% equity |
| 2017-06 | 1 | construction >100% equity |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | construction >100% equity |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | construction >100% equity |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | construction >100% equity |
| 2019-03 | 1 | charge-offs p90 |  |
| 2019-06 | 0 |  | charge-offs p90 |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 3 | AOCI drag >20% of equity, securities losses >30% of equity, construction >100% equity |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 4 | assets shrinking |  |
| 2023-03 | 4 | deposits shrinking | AOCI drag >20% of equity |
| 2023-06 | 5 | uninsured deposits leaving |  |
| 2023-09 | 3 |  | assets shrinking, uninsured deposits leaving |
| 2023-12 | 2 |  | deposits shrinking |
| 2024-03 | 4 | noncurrent p90, reserve under noncurrent |  |
| 2024-06 | 5 | capital falling |  |
| 2024-09 | 5 |  |  |
| 2024-12 | 4 |  | noncurrent p90 |
| 2025-03 | 4 |  |  |
| 2025-06 | 3 |  | capital falling |
| 2025-09 | 2 |  | construction >100% equity |
| 2025-12 | 2 | construction >100% equity | reserve under noncurrent |
| 2026-03 | 1 |  | securities losses >30% of equity |
| 2026-06 | 0 |  | construction >100% equity |

## In the news (Google News, unfiltered, newest first; check the city)

- 2023-12-19 [Generational shift: Volusia-Flagler's Intracoastal Bank names son of founder as new CEO - Daytona Beach News-Journal](https://news.google.com/rss/articles/CBMi0gFBVV95cUxQZmZkdUt2aDl5SFNzX2hTcnVfMnJyNG9GNDliY1dhWFQ0Q0hIelJvQmFKR2hTajEtMlVtVzJrYWtKTjVWZENQM2J4anJabno5ODctNmJCdnppSHRQeW5uNEhxcUdzcTFJb0d2bWl3TzdaNVhlUlRzdVEyQVBWVHJncXljc1QtUDhVNV9sLXZRVko1RGVwRzQxVW5GR0d4WEw2MnRNZXBYTmhiV2xhaGgzSlItYnp6UEpwcjZTZ0p1al96RnlkV0FtaW9qWnhZMlA3cGc?oc=5) · Daytona Beach News-Journal
- 2022-01-12 [Intracoastal Bank announces 2021 results for assets, income - Observer Local News](https://news.google.com/rss/articles/CBMirwFBVV95cUxQdTFydnF2Y3JMZDFzR21XcGR1elRlNzNyVkNIQVV1VHpFT3cxTTV4QXdTeFdQVWRUVS1UNFlUQ3NJTnlrSjJFUHJwWlhsTWNDWDlScmczNkgyOFBaUmc0blZITW1IanpiM3lTMjcwWkhEaDJrLVJVYmdrMElTNVNZT2F3S3ZiTGxnUU56b0JFVVVwWGpKMndrUDJrM01rNkpOQ2pGclZGTHA1eC1lYndv?oc=5) · Observer Local News
- 2023-12-15 [Intracoastal Bank Announces Ryan Page as Chief Executive Officer (CEO) - Flagler News Weekly](https://news.google.com/rss/articles/CBMipgFBVV95cUxNVHd3a1VzVHVrRVVibXNNcUV3UWNwWVpNM2FtZkduMDZvV0M2WVl5eXlKcHNBVmlXaHV5OGV1YUs2bGJhU2hLRGU3UHN6NTFyUzVnX2R1UWI0VGpMa0tFTjNRVHl1dUduQkZzbHZVOHRubWFJTTJrM2pDTXlhWWlWN290dTV3OUVfUUxFaFN5bkhCUHVxQnpMVnRtaTJZVVdkOElZa0d3?oc=5) · Flagler News Weekly
- 2023-08-17 [Intracoastal Bank Announces Jacqueline Yantis as Business Relationship Manager - FlaglerLive](https://news.google.com/rss/articles/CBMiTEFVX3lxTE8wY1VpUk1WS2dkakVLQ1Zxc3hqQVA4R25EbFhEaS0yNUpsWkR6MmNHaEczUGJJUTl3S2FTR0lFSFNCYWloc0RWQ2RRbkc?oc=5) · FlaglerLive
- 2020-03-23 [Bruce Page, president & CEO of Intracoastal Bank of Daytona Beach, announces changes in senior management team - Headline Surfer](https://news.google.com/rss/articles/CBMiywFBVV95cUxOOXoydWZhQ0dXYkRQdmQ3Tl9QbVhNWUVxakJSRGQ1STdLWnpaMUc3S2dMbHBkTjFmMEx2dVRHaU1qVk9tZUxIZHlTTXRINkNEeXBNLU1nTmZ2WTJwOUdRNDl1Ymd5bkNNaXllcXNuYXhDZ2dnekZvTGQyeERoYlhEX3lyaW9oV2lyMUFwbk5VVGllZ1ZVMjRNZ3JxVXJUV09XeXhmMkR6UzZ1Rm9xVEoxVWZiNnpNWGk0LWR4eFhJNElGMkdLa0hfb0NmYw?oc=5) · Headline Surfer
- 2023-08-26 [Intracoastal Bank announces Robbie Wilson as controller and risk officer - Observer Local News](https://news.google.com/rss/articles/CBMiwgFBVV95cUxON1V3ZnlieG9Ed19jbWotaXU4Qmw3dlRyUUlCUXByNE5KMjVUTDNFUWlrSWZYdWJPQThQVWVlemUyVjJ1QWtKaXVhUHZkMGRXTjlSaDI3R2NzaDRYZ2hpQ2gwbnFHV2ZSaVV6NzVEbUdQTHkybFVRQzU5MjdoUHFYSTQ1V2pkZ1NEYUV3MDZkckN6MWhFMGFGX3dSMVVybjBabnNpMmFCZTVBMkc1RHI1V0Y3aHBvZnFPX0FaWFF2YUpvUQ?oc=5) · Observer Local News
- 2023-09-30 [Tara Gugliara Appointed Manager of Intracoastal Bank’s Volusia Center - FlaglerLive](https://news.google.com/rss/articles/CBMiWkFVX3lxTE0zeWxMTVFDOE1Hejd4ZUtUS1BsLVVidHRtZGc3eTRaWFRRVHYtVmRtUVpvYmI3a1ZvYlN4cGxibXhvYkU2bTZ2WkRyZmFHOUJ2S21feUYwUGNjZw?oc=5) · FlaglerLive
- 2023-12-19 [SEE: Volusia-Flagler's Intracoastal Bank over the years - Daytona Beach News-Journal](https://news.google.com/rss/articles/CBMi3gFBVV95cUxNMjBPX2FmWDlxT1Vzck9PUFJ1OXhIQkczYnVwWC1CTDRyS3oxX0lzSWMxbjd2UDVRUEJxZ2RKR2ZwbmE3UmhLYjZUUjcxTUdjbUZ4NnpCTFFOazc0dzRXLXRNSHhtQ2tTRmJqZ1p1R3lETmNZVjJ0MDl6Wmtzb1E4TU5lb1NIa2xQSHpWUFV6dGg0b0xES0NrOVNPWThjb3ZpM0pEa3NOcHRETmhSRjlzMGpzS2lPXzBMYlFRX0NmdG1JV0Q0MDdhcklBT1NJSUxLcV9rS1RSRWpWbDkyY3c?oc=5) · Daytona Beach News-Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58692 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/4.json (key "58692", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide