BlastPoint's Banking Scorecard

Intracoastal Bank

$100M-$1B Specialty: Commercial FL FDIC cert 58692

Palm Coast, FL

3 branches across FL

2664 banks in the $100M-$1B peer group nationally 43 in FL

Intracoastal Bank has 4 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 23.7% in tier
+ Efficiency Ratio 27.73% below tier average
+ ROA 0.09% above tier average
+ Delinquency Rate 0.84% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 18.4% in tier
- Flatlined Growth: Bottom 36.5% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Total Assets ?	$565.2M -2.0% YoY +2.7% QoQ	+$179.1M	$386.1M +0.5% YoY	$4.3B +10.8% YoY	$6.2B +9.1% YoY	78%
Total Loans ?	$408.9M -3.0% YoY -1.0% QoQ	+$153.2M	$255.7M +1.1% YoY	$3.0B +12.4% YoY	$3.2B +10.8% YoY	80%
Total Deposits ?	$501.8M -1.7% YoY +6.3% QoQ	+$173.8M	$328.0M +0.1% YoY	$3.6B +11.7% YoY	$4.8B +8.2% YoY	80%
Return on Assets ?	1.36% +16.3% YoY +1.6% QoQ	+0.09%	1.27% +12.9% YoY	0.83% +61.5% YoY	1.23% +13.4% YoY	59%
Net Interest Margin ?	3.88% +15.5% YoY +7.9% QoQ	-0.05%	3.93% +6.0% YoY	3.75% +4.2% YoY	3.89% +5.7% YoY	51%
Efficiency Ratio ?	37.56% -41.3% YoY -40.6% QoQ	-27.73%	65.29% -4.5% YoY	71.93% -25.2% YoY	66.95% -4.1% YoY	Top 2.4% in tier
Delinquency Rate ?	0.04% -97.4% YoY -19.4% QoQ	-0.84%	0.89% +18.8% YoY	0.63% -5.7% YoY	0.95% +18.8% YoY	81%
Loan-to-Deposit Ratio ?	81.50% -1.3% YoY -6.9% QoQ	+4.86%	76.64% +0.8% YoY	73.79% +1.2% YoY	76.70% +0.9% YoY	43%
Non-Interest-Bearing Deposit Share ?	17.20% -12.9% YoY +4.2% QoQ	-4.82%	22.02% -1.0% YoY	27.22% -2.5% YoY	22.01% -1.2% YoY	33%
Nonperforming Asset Ratio ?	0.03% -97.5% YoY -97.7% QoQ	-0.61%	0.64% +19.7% YoY	0.43% -5.1% YoY	0.67% +19.3% YoY	81%
Tier 1 Capital Ratio ?	11.60% +9.2% YoY +1.4% QoQ	-4.23%	15.83% +1.5% YoY	16.64% -24.7% YoY	17.06% +0.8% YoY	30%
Non-Interest Income / Assets ?	0.34% +748.1% YoY +101.8% QoQ	+0.06%	0.28% +9.3% YoY	0.50% +7.6% YoY	0.32% +4.1% YoY	Top 5.9% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth

#159 of 666 • Top 23.7% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.34%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 1.36%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Concerns (2)

Deposit Outflow

decline

#94 of 506 • Bottom 18.4% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ | QoQ rank declining

Flatlined Growth

risk

#188 of 512 • Bottom 36.5% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 1.36%

(Tier: 1.27%, National: 1.23%)

better than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (7 metrics)

Efficiency Ratio

profitability

Value: 37.56%

Peer Median: 65.29%

#65 of 2664 Top 2.4% in $100M-$1B

157

Non-Interest Income / Assets

revenue_mix

Value: 0.34%

Peer Median: 0.28%

#157 of 2664 Top 5.9% in $100M-$1B

510

Nonperforming Asset Ratio

credit_quality

Value: 0.03%

Peer Median: 0.64%

#510 of 2664 Top 19.1% in $100M-$1B

516

Delinquency Rate

credit_quality

Value: 0.04%

Peer Median: 0.89%

#516 of 2654 Top 19.4% in $100M-$1B

525

Total Loans

size

Value: $408.93M

Peer Median: $255.72M

#525 of 2664 Top 19.7% in $100M-$1B

537

Total Deposits

size

Value: $501.77M

Peer Median: $327.97M

#537 of 2664 Top 20.1% in $100M-$1B

594

Total Assets

size

Value: $565.23M

Peer Median: $386.08M

#594 of 2664 Top 22.3% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available