Coastal Community Bank


12141 Panama City Beach Parkway
Panama City Beach, FL 32407
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Notable Rates APY Vs.Others
Savings N.A. 0.91% →
1-Year CD N.A. 0.85% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.61% →
15-Year Mortgage N.A. 2.31% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Coastal Community Bank is an FDIC insured institution located in Panama City Beach, FL. It was founded in 1906 and has approximately $0.38 billion in assets.

Coastal Community Bank, Panama City Beach, Florida, was closed July 30, 2010 by federal and state banking agencies, which then appointed the Federal Deposit Insurance Corporation (FDIC) as receiver. To protect depositors, the FDIC entered into purchase and assumption agreements with Centennial Bank, Conway, Arkansas, to assume all the deposits and essentially all the assets.

FDIC Insured Yes
FDIC Certificate # 9619
Date Established 1906
Assets $ 364.59 million
Loans $ 280.12 million
Deposits $ 348.32 million
Capital $ 14.64 million

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

Deposit Rates - December 1, 2020

Your Current Location: Washington, WA 98109


Loan Rates - December 1, 2020

Your Current Location: Washington, WA 98109

There are currently no loan rates available for Coastal Community 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 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Hart West Financial Inc.
NMLS ID: 116830
2.302% 2.250% 0.75 $1,745 $956 Learn More
NMLS ID: 2890
License#: 520-CL-25944
2.554% 2.500% 0.75 $1,775 $988 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More

Note to Coastal Community Bank
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Financial Details

Coastal Community Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Coastal Community 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
Coastal Community Bank U.S. Bank Average
184.29% 6.94%

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, 2020, Coastal Community Bank had $49,367,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $14,637,000 in equity and $12,151,000 in loans loss reserves. That gives it a Texas Ratio of 184.29%.

Return on Equity
Coastal Community Bank U.S. Bank Average
-66.06% 7.80%

Coastal Community Bank has a Return on Equity of -66.06% versus the BestCashCow average of 7.80%. 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.

Coastal Community Bank U.S. Bank Average
4.01% 12.68%

Coastal Community Bank has a Capitalization of 4.01% versus the BestCashCow average of 12.68. 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.

Coastal Community Bank Balance Sheet Analysis

As of November 30, -0001, Coastal Community Bank had assets of $377,469,000, loans of $280,121,000, and deposits of $348,319,000. 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, 2020
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 $ 280.12 million
Loan loss allowance $ 12.15 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 $ 348.32 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 $ 364.59 million

Summary Income Statement

March 31, 2020
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 Coastal Community Bank’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, Coastal Community Bank’s loan portfolio does not show any specific loan specialty.

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 0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 0.00
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Frequently Asked Questions About Coastal Community Bank

Branches and Savings

Is Coastal Community Bank FDIC insured?

Yes. It is covered under FDIC Certificate #9619.

Why does Coastal Community Bank pay such low interest on savings accounts?

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

Why are Coastal Community Bank CD rates not competitive?

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

Is Coastal Community Bank a commercial bank?


Where are Coastal Community Bank locations?

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Is Coastal Community Bank open on Saturdays?

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Are Coastal Community Bank ATMs Open 24/7?

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What address for Coastal Community Bank should I put for incoming ACH transfers?

Will the Coastal Community Bank branch print checks?

Do Coastal Community Bank checks expire?

Does Coastal Community Bank require US citizenship to open account?

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Does Coastal Community Bank offer mortgages?

Compare mortgage rates here.

Does Coastal Community Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Coastal Community Bank offer personal loans?

Compare personal loan rates here.

Does Coastal Community Bank offer student loans?

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Does Coastal Community Bank do currency exchange?

Background on The Bank

Who owns Coastal Community Bank?

How long has Coastal Community Bank been around?

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