| Metric | Intracoastal Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.2% | +4.9% | -5.1 pts |
| Deposit growth (YoY) | +2.3% | +4.3% | -2.0 pts |
| Loan growth (YoY) | -5.3% | +5.3% | -10.6 pts |
| ROA | 1.39% | 1.28% | +0.1 pts |
| ROE | 18.0% | 12.4% | +5.6 pts |
ROA ranks in the 56th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $573.2M | $518.6M | $403.2M | $44.4M | $3.9M | 1.39% | 3.88% | 0.03% |
| Q1 2026 | $565.2M | $501.8M | $408.9M | $43.7M | $1.9M | 1.36% | 3.88% | 0.03% |
| Q4 2025 | $550.5M | $471.9M | $413.0M | $42.3M | $7.6M | 1.34% | 3.60% | 1.34% |
| Q3 2025 | $578.4M | $511.6M | $419.4M | $40.8M | $5.9M | 1.37% | 3.53% | 1.23% |
| Q2 2025 | $574.3M | $506.8M | $425.6M | $36.8M | $3.6M | 1.28% | 3.49% | 1.24% |
| Q1 2025 | $576.6M | $510.3M | $421.5M | $36.1M | $1.7M | 1.17% | 3.36% | 1.24% |
| Q4 2024 | $552.3M | $486.9M | $413.0M | $33.0M | $5.8M | 1.08% | 3.08% | 1.26% |
| Q3 2024 | $553.0M | $484.6M | $407.2M | $36.2M | $4.5M | 1.12% | 3.03% | 1.26% |
Loan mix (Q2 2026): real estate $390.3M · commercial $19.0M · consumer $473K · securities $118.3M
| Ratio | Intracoastal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.39% | 1.28% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 18.0% | 12.4% | 81th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.88% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.8% | 61.2% | 16th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Intracoastal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Intracoastal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Intracoastal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Intracoastal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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