Atlantic Coast Bank

4655 Salisbury Road, Suite 110
Jacksonville, FL 32256


2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 45826
Date Established 1939
Assets $0.93 billion
Loans $0.79 billion
Deposits $0.64 billion
Capital $0.09 billion

Atlantic Coast Bank is an FDIC insured institution located in Jacksonville, FL. It was founded in 1939 and has approximately $0.93 billion in assets. Customers can open an account at one of its 11 branches.

For a more detailed analysis of Atlantic Coast Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - July 16, 2019

Your Current Location: Washington, WA 98109

There are currently no rates available for Atlantic Coast Bank, but see these great savings and CD rates:

Advertiser Disclosure

Loan Rates - July 16, 2019

Your Current Location: Washington, WA 98109

There are currently no loan rates available for Atlantic Coast Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Washington 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 520-CL-25944
3.778% 3.750% 0.38 $852 $1,158 Learn More
Cascadia Mortgage
NMLS ID: 1505422
License#: NMLS #1505422
3.697% 3.625% 0.50 $2,253 $1,141 Learn More
Rocket Mortgage
NMLS ID: 3030
4.875% 4.875% 0.00 $0 $1,324 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
5.490 %
N/A Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info

Note to Atlantic Coast Bank
To upload and update your bank's rates please register. It is free to register and add rates.


Atlantic Coast Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Atlantic Coast Bank Locations

Financial Details

Atlantic Coast Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Atlantic Coast Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Atlantic Coast Bank U.S. Bank Average
9.89% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2019, Atlantic Coast Bank had $8,193,000 in non-current loans and $1,700,000 in owned real estate. To cover these potential losses it had $91,403,000 in equity and $8,600,000 in loans loss reserves. That gives it a Texas Ratio of 9.89%.

Return on Equity
Atlantic Coast Bank U.S. Bank Average
7.09% 9.47%

Atlantic Coast Bank has a Return on Equity of 7.09% versus the BestCashCow average of 9.47%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Atlantic Coast Bank U.S. Bank Average
9.83% 12.49%

Atlantic Coast Bank has a Capitalization of 9.83% versus the BestCashCow average of 12.49. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Atlantic Coast Bank Balance Sheet Analysis

As of March 31, 2018, Atlantic Coast Bank had assets of $929,742,000, loans of $792,493,000, and deposits of $643,001,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2019
Cash & Balances due from depository institutions $0.05 billion
Interest-bearing balances $0.04 billion
Total securities $0.04 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.79 billion
Loan loss allowance $0.01 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.03 billion
     Total Assets $0.84 billion
Total deposits $0.64 billion
      Interest-bearing deposits $0.57 billion
      Deposits held in domestic offices $0.64 billion
      % insured (estimated) 84.39%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.19 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.84 billion
      Shareholders’ Equity $0.09 billion

Summary Income Statement

March 31, 2019
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in Atlantic Coast Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Multifamily Mortgages.

Compared to other banks in Florida, Atlantic Coast Bank has a significantly higher percent of Multifamily Mortgages on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 41.22
Credit Card Loans 0.00
Consumer Auto Loans 0.53
Small Business Loans 0.00
Construction and Development Loans 5.58
Commercial Real Estate 32.58
Commercial and Industrial Loans 4.86
Farm Loans 0.00

Frequently Asked Questions About Atlantic Coast Bank

Branches and Savings

Is Atlantic Coast Bank FDIC insured?

Yes. It is covered under FDIC Certificate #45826.

Why does Atlantic Coast Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Atlantic Coast Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Atlantic Coast Bank a commercial bank?


Where are Atlantic Coast Bank locations?

See branch locations nearby.

Is Atlantic Coast Bank open on Saturdays?

Is Atlantic Coast Bank open on Sundays?

What time does Atlantic Coast Bank open?

What time does Atlantic Coast Bank close?

Are Atlantic Coast Bank ATMs Open 24/7?

Do Atlantic Coast Bank ATMs accept cash deposits?

Can Atlantic Coast Bank customers use other ATMs?

Do Atlantic Coast Bank branches have notaries?

Will Atlantic Coast Bank notarize my document?

What address for Atlantic Coast Bank should I put for incoming ACH transfers?

Will the Atlantic Coast Bank branch print checks?

Do Atlantic Coast Bank checks expire?

Does Atlantic Coast Bank require US citizenship to open account?

Can Atlantic Coast Bank close my account?

Does Atlantic Coast Bank Report to credit bureaus?

Does Atlantic Coast Bank Use Equifax?

What is Atlantic Coast Bank's ACH Routing Number?

What is Atlantic Coast Bank's SWIFT code?


Does Atlantic Coast Bank offer mortgages?

Compare mortgage rates here.

Does Atlantic Coast Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Atlantic Coast Bank offer personal loans?

Compare personal loan rates here.

Does Atlantic Coast Bank offer student loans?

Will Atlantic Coast Bank cash a check?

Will Atlantic Coast Bank redeem a savings bond?

Does Atlantic Coast Bank cash savings bonds?

Will Atlantic Coast Bank cash money orders?

Can Atlantic Coast Bank issue a money order?

Does Atlantic Coast Bank do currency exchange?

Background on The Bank

Who owns Atlantic Coast Bank?

How long has Atlantic Coast Bank been around?

Can Atlantic Coast Bank transfer to other banks?

Does Atlantic Coast Bank have quick pay?

Does Atlantic Coast Bank accept rolled coins?

Will Atlantic Coast Bank accept loose change?

Where is Atlantic Coast Bank headquarters?

Customer Reviews for Atlantic Coast Bank

There are currently no comments for Atlantic Coast Bank. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →