Coast National Bank


500 Marsh Street
San Luis Obispo, CA 93401
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Notable Rates APY Vs.Others
Savings N.A. 0.65% →
1-Year CD N.A. 0.70% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Coast National Bank is an FDIC insured institution located in San Luis Obispo, CA. It was founded in 1997 and has approximately $0.15 billion in assets.

FDIC Insured Yes
FDIC Certificate # 34381
Date Established 1997
Assets $ 149.54 million
Loans $ 94.43 million
Deposits $ 130.22 million
Capital $ 18.88 million

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

Deposit Rates - August 2, 2021

Your Current Location: Virginia, VA 20146


Loan Rates - August 2, 2021

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Coast National Bank

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

Featured - Virginia 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
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First Internet Bank
NMLS ID: 424182
2.541% 2.500%
0.50 points
$1,340 fees
$988 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
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2.240 %
$0 Learn More
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BMO Harris Bank
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4.840 %
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Bethpage Federal Credit Union
Bethpage Federal Credit Union
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Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
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Note to Coast National Bank
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Financial Details

Coast National Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Coast National 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
Coast National Bank U.S. Bank Average
5.04% 5.29%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its 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, 2021, Coast National Bank had $1,031,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $18,883,000 in equity and $1,592,000 in loans loss reserves. That gives it a Texas Ratio of 5.04%.

Return on Equity
Coast National Bank U.S. Bank Average
3.69% 11.43%

Coast National Bank has a Return on Equity of 3.69% versus the BestCashCow average of 11.43%. 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.

Coast National Bank U.S. Bank Average
12.63% 11.51%

Coast National Bank has a Capitalization of 12.63% versus the BestCashCow average of 11.51. 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.

Coast National Bank Balance Sheet Analysis

As of June 30, 2016, Coast National Bank had assets of $149,536,000, loans of $94,427,000, and deposits of $130,223,000. 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, 2021
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 94.43 million
Loan loss allowance $ 1.59 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 130.22 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 149.54 million

Summary Income Statement

March 31, 2021
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Coast National Bank’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and Small Business Loans.

Compared to other banks in California, Coast National Bank has a significantly higher percent of Small Business Loans, Construction and Development Loans 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 5.55
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 20.98
Construction and Development Loans 17.23
Commercial Real Estate 54.51
Commercial and Industrial Loans 24.25
Farm Loans 0.00

Frequently Asked Questions About Coast National Bank

Branches and Savings

Is Coast National Bank FDIC insured?

Yes. It is covered under FDIC Certificate #34381.

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

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

Why are Coast National Bank CD rates not competitive?

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

Is Coast National Bank a commercial bank?


Where are Coast National Bank locations?

See branch locations nearby.

Is Coast National Bank open on Saturdays?

Is Coast National Bank open on Sundays?

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Are Coast National Bank ATMs Open 24/7?

Do Coast National Bank ATMs accept cash deposits?

Can Coast National Bank customers use other ATMs?

Do Coast National Bank branches have notaries?

Will Coast National Bank notarize my document?

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

Will the Coast National Bank branch print checks?

Do Coast National Bank checks expire?

Does Coast National Bank require US citizenship to open account?

Can Coast National Bank close my account?

Does Coast National Bank Report to credit bureaus?

Does Coast National Bank Use Equifax?

What is Coast National Bank's ACH Routing Number?

What is Coast National Bank's SWIFT code?


Does Coast National Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Coast National Bank offer personal loans?

Compare personal loan rates here.

Does Coast National Bank offer student loans?

Will Coast National Bank cash a check?

Will Coast National Bank redeem a savings bond?

Does Coast National Bank cash savings bonds?

Will Coast National Bank cash money orders?

Can Coast National Bank issue a money order?

Does Coast National Bank do currency exchange?

Background on The Bank

Who owns Coast National Bank?

How long has Coast National Bank been around?

Can Coast National Bank transfer to other banks?

Does Coast National Bank have quick pay?

Does Coast National Bank accept rolled coins?

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Where is Coast National Bank headquarters?

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