BlastPoint's Banking Scorecard
Intracoastal Bank
Palm Coast, FL
3 branches across FL
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 44 in FL.
- Deposits +2.3% year over year ($518.6M on the books).
- Delinquency rate 0.04%.
- Return on assets 1.39%.
- Efficiency ratio 48.83% vs a 64.48% peer average.
- Loan-to-deposit ratio 77.75% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Intracoastal Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.07% above tier average
- + Efficiency Ratio 15.65% below tier average
- + Delinquency Rate 0.87% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.11% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$573.2M
-0.2% YoY
+1.4% QoQ
|
+$186.6M |
$386.6M
+1.2% YoY
|
$4.3B
+7.0% YoY
|
$6.3B
+7.7% YoY
|
78% |
| Total Loans ? |
$403.2M
-5.3% YoY
-1.4% QoQ
|
+$144.9M |
$258.3M
+1.7% YoY
|
$3.0B
+8.2% YoY
|
$3.2B
+9.4% YoY
|
80% |
| Total Deposits ? |
$518.6M
+2.3% YoY
+3.3% QoQ
|
+$191.8M |
$326.7M
+0.7% YoY
|
$3.5B
+7.0% YoY
|
$4.9B
+7.3% YoY
|
82% |
| Return on Assets ? |
1.39%
+8.8% YoY
+2.4% QoQ
|
+0.07% |
1.32%
+10.8% YoY
|
0.62%
-8.3% YoY
|
1.30%
+12.1% YoY
|
59% |
| Net Interest Margin ? |
3.88%
+11.0% YoY
-0.1% QoQ
|
-0.11% |
3.99%
+5.0% YoY
|
3.70%
+0.5% YoY
|
3.95%
+4.9% YoY
|
46% |
| Efficiency Ratio ? |
48.83%
-18.4% YoY
+30.0% QoQ
|
-15.65% |
64.48%
-3.2% YoY
|
199.20%
+161.3% YoY
|
70.05%
+2.5% YoY
|
Top 14.6% in tier |
| Delinquency Rate ? |
0.04%
-97.4% YoY
+1.4% QoQ
|
-0.87% |
0.92%
+15.7% YoY
|
0.61%
-2.0% YoY
|
0.98%
+16.3% YoY
|
80% |
| Loan-to-Deposit Ratio ? |
77.75%
-7.4% YoY
-4.6% QoQ
|
-0.20% |
77.95%
+1.0% YoY
|
72.91%
-1.7% YoY
|
79.03%
+2.3% YoY
|
54% |
| Non-Interest-Bearing Deposit Share ? |
16.41%
-12.3% YoY
-4.6% QoQ
|
-5.62% |
22.03%
-0.6% YoY
|
27.35%
-2.5% YoY
|
21.98%
-0.6% YoY
|
30% |
| Nonperforming Asset Ratio ? |
0.03%
-97.5% YoY
-1.4% QoQ
|
-0.64% |
0.67%
+16.4% YoY
|
0.42%
-2.6% YoY
|
0.69%
+15.8% YoY
|
82% |
| Tier 1 Capital Ratio ? |
11.83%
+10.1% YoY
+2.0% QoQ
|
-4.08% |
15.91%
+1.4% YoY
|
19.50%
+8.2% YoY
|
17.09%
+0.8% YoY
|
34% |
| Non-Interest Income / Assets ? |
0.37%
+362.7% YoY
+10.5% QoQ
|
-0.19% |
0.57%
+7.6% YoY
|
1.02%
+6.4% YoY
|
0.66%
+5.2% YoY
|
83% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
16.4%
-2.3pp YoY -0.8pp QoQ |
-5.7pp | 22.1% | 27.7% | 22.2% | 29% |
| Brokered Deposits |
6.7%
-1.0pp YoY -0.5pp QoQ |
-1.2pp | 7.9% | 8.7% | 8.5% | 62% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
4.7%
0.0pp YoY +0.1pp QoQ |
-6.8pp | 11.6% | 12.9% | 12.5% | 18% |
| CRE |
85.1%
-1.8pp YoY -0.2pp QoQ |
+45.5pp | 39.5% | 50.6% | 41.4% | 99% |
| 1-4 Family |
11.7%
+1.8pp YoY +0.2pp QoQ |
-20.9pp | 32.6% | 30.7% | 31.3% | 13% |
| Consumer |
0.1%
0.0pp YoY 0.0pp QoQ |
-4.0pp | 4.1% | 3.7% | 5.0% | 6% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.8%
+1.1pp YoY +0.2pp QoQ |
-7.0pp | 18.8% | 19.8% | 19.7% | 15% |
| Leverage Ratio |
9.8%
+0.6pp YoY 0.0pp QoQ |
-2.4pp | 12.2% | 13.9% | 12.6% | 26% |
| Total Capital Ratio |
13.1%
+1.1pp YoY +0.2pp QoQ |
-6.9pp | 19.9% | 21.1% | 20.8% | 17% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
52
+3 (+6.1%) YoY 0 QoQ |
-7 | 58 | 295 | 482 | 56% |
| Assets per Employee ($) |
$11.0M
-5.9% YoY +1.4% QoQ |
+$3.5M | $7.5M | $10.3M | $8.8M | 90% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 13 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual |
0.0%
-1.6pp YoY 0.0pp QoQ |
-0.9pp | 0.9% | 0.7% | 1.0% | 10% |
| Allowance Coverage |
32.63x
+3628.6% YoY 0.0% QoQ |
+8.48x | 24.15x | 16.62x | 20.23x | 92% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.2% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
18.0%
-2.5pp YoY +0.4pp QoQ |
+5.8pp | 12.2% | 9.3% | 11.6% | 82% |
| Cost of Funds (YTD) |
2.0%
0.0pp YoY 0.0pp QoQ |
+0.2pp | 1.7% | 1.8% | 1.7% | 68% |
| Net Income ($, YTD) |
$3.9M
+7.9% YoY — QoQ |
+$1.4M | $2.6M | $25.2M | $40.4M | 80% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.