BlastPoint's Banking Scorecard
Intracoastal Bank
Community
Specialty: Commercial
FL
FDIC cert 58692
Palm Coast, FL
1484
banks in Community tier nationally
36 in FL
View Community leaderboard (FL) →
Intracoastal Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 13% in Community
- - Capital Constraint: Bottom 17% in Community
- - Non-Interest Income / Assets 0.57% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$550.5M
-0.3% YoY
-4.8% QoQ
|
-$840.9M |
$1.4B
+2.0% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 7% in tier |
| Total Loans ? |
$413.0M
+0.0% YoY
-1.5% QoQ
|
-$562.5M |
$975.5M
+2.4% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
16% |
| Total Deposits ? |
$471.9M
-3.1% YoY
-7.8% QoQ
|
-$692.8M |
$1.2B
+1.7% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
Bottom 9% in tier |
| Return on Assets ? |
1.34%
+24.2% YoY
-2.2% QoQ
|
+0.17% |
1.16%
+17.2% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
65% |
| Net Interest Margin ? |
3.60%
+16.8% YoY
+1.9% QoQ
|
-0.07% |
3.66%
+9.1% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
47% |
| Efficiency Ratio ? |
63.28%
-0.9% YoY
+4.6% QoQ
|
+0.65% |
62.63%
-5.3% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
47% |
| Delinquency Rate ? |
0.05%
-96.8% YoY
-96.8% QoQ
|
-0.57% |
0.63%
+18.3% YoY
|
0.34%
-31.5% YoY
|
0.66%
+20.3% YoY
|
Top 12% in tier |
| Loan-to-Deposit Ratio ? |
87.52%
+3.2% YoY
+6.8% QoQ
|
+4.46% |
83.06%
+0.3% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
42% |
| Non-Interest-Bearing Deposit Share ? |
16.50%
-10.9% YoY
-11.8% QoQ
|
-4.55% |
21.05%
-0.9% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
32% |
| Nonperforming Asset Ratio ? |
1.34%
+6.8% YoY
+9.1% QoQ
|
+0.84% |
0.50%
+20.3% YoY
|
0.26%
-19.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 13% in tier |
| Tier 1 Capital Ratio ? |
11.44%
+7.6% YoY
+3.1% QoQ
|
+1.19% |
10.24%
-0.6% YoY
|
11.37%
-0.5% YoY
|
9.75%
-1.9% YoY
|
41% |
| Non-Interest Income / Assets ? |
0.17%
+5.5% YoY
+39.9% QoQ
|
-0.57% |
0.74%
-1.3% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
Bottom 8% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Deposit Outflow
decline
#34 of 248 · Bottom 13% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
Capital Constraint
risk
#9 of 47 · Bottom 17% in Community
Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Why this signature
Loan-to-Deposit Ratio:
87.52%
(Tier: 83.06%, National: 78.04%)
Tier 1 Risk-Based Capital Ratio:
11.44%
(Tier: 10.24%, National: 9.75%)
47 of 47 Community banks match
·
57 nationally
→ Stable
-1 banks QoQ
Non-Interest Income / Assets
metric
Bottom 8%
in Community
Why this stands out
Current:
0.17%
(Tier avg: 0.74%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
88
88th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.63%
65
65th pctile
Return on Assets
Current: 1.34% · Tier avg: 1.16%
47
47th pctile
Efficiency Ratio
Current: 63.28% · Tier avg: 62.63%
47
47th pctile
Net Interest Margin
Current: 3.60% · Tier avg: 3.66%
42
42th pctile
Loan-to-Deposit Ratio
Current: 87.52% · Tier avg: 83.06%
41
41th pctile
Tier 1 Capital Ratio
Current: 11.44% · Tier avg: 10.24%
32
32th pctile
Non-Interest-Bearing Deposit Share
Current: 16.50% · Tier avg: 21.05%
16
16th pctile
Total Loans
Current: $413.0M · Tier avg: $975.5M
13
13th pctile
Nonperforming Asset Ratio
Current: 1.34% · Tier avg: 0.50%
9
9th pctile
Total Deposits
Current: $471.9M · Tier avg: $1.2B
8
8th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.74%
7
7th pctile
Total Assets
Current: $550.5M · Tier avg: $1.4B
Top Weaknesses
7
7th pctile
Total Assets
Current: $550.5M · Tier avg: $1.4B
8
8th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.74%
9
9th pctile
Total Deposits
Current: $471.9M · Tier avg: $1.2B
13
13th pctile
Nonperforming Asset Ratio
Current: 1.34% · Tier avg: 0.50%
16
16th pctile
Total Loans
Current: $413.0M · Tier avg: $975.5M
32
32th pctile
Non-Interest-Bearing Deposit Share
Current: 16.50% · Tier avg: 21.05%
41
41th pctile
Tier 1 Capital Ratio
Current: 11.44% · Tier avg: 10.24%
42
42th pctile
Loan-to-Deposit Ratio
Current: 87.52% · Tier avg: 83.06%
47
47th pctile
Net Interest Margin
Current: 3.60% · Tier avg: 3.66%
47
47th pctile
Efficiency Ratio
Current: 63.28% · Tier avg: 62.63%
65
65th pctile
Return on Assets
Current: 1.34% · Tier avg: 1.16%
88
88th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.63%