Community Bank, Coast


677 Dr. Martin Luther King Jr. Boulevard
Biloxi, MS 39530
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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

Community Bank, Coast is an FDIC insured institution located in Biloxi, MS. It was founded in 1996 and has approximately $0.84 billion in assets.

FDIC Insured Yes
FDIC Certificate # 34121
Date Established 1996
Assets $ 861.44 million
Loans $ 646.54 million
Deposits $ 750.62 million
Capital $ 82.98 million

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

Deposit Rates - August 1, 2021

Your Current Location: Virginia, VA 20146


Loan Rates - August 1, 2021

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Community Bank, Coast

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
Learn More
Morty, Inc.
NMLS ID: 1429243
2.460% 2.375%
0.75 points
$2,840 fees
$972 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

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

Note to Community Bank, Coast
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Financial Details

Community Bank, Coast Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Community Bank, Coast. 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
Community Bank, Coast U.S. Bank Average
9.06% 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, Community Bank, Coast had $2,084,000 in non-current loans and $6,025,000 in owned real estate. To cover these potential losses it had $82,978,000 in equity and $6,531,000 in loans loss reserves. That gives it a Texas Ratio of 9.06%.

Return on Equity
Community Bank, Coast U.S. Bank Average
7.54% 11.43%

Community Bank, Coast has a Return on Equity of 7.54% 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.

Community Bank, Coast U.S. Bank Average
9.63% 11.51%

Community Bank, Coast has a Capitalization of 9.63% 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.

Community Bank, Coast Balance Sheet Analysis

As of December 31, 2017, Community Bank, Coast had assets of $839,640,000, loans of $646,538,000, and deposits of $750,623,000. 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 $ 28.51 million
Interest-bearing balances $ 17.43 million
Total securities $ 95.18 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 646.54 million
Loan loss allowance $ 6.53 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 6.03 million
Goodwill and other intangibles $ 14.42 million
All other assets $ 23.69 million
     Total Assets $ 756.66 million
Total deposits $ 750.62 million
      Interest-bearing deposits $ 695.88 million
      Deposits held in domestic offices $ 750.62 million
      % insured (estimated) 82.22%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 1.00 million
Subordinated debt N.A.
All other liabilities $ 5.04 million
      Total Liabilities $ 756.66 million
      Shareholders’ Equity $ 104.78 million

Summary Income Statement

March 31, 2021
Total Interest Income $ 34.11 million
Total Interest Expense $ 4.32 million
Net interest income $ 29.79 million
Provision for loan and lease losses $ 1.65 million
Total non interest income $ 3.99 million
Total non interest expense $ 22.56 million
Pre-tax Net Operating Income $ 9.58 million

Bank Loan Profile?

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

Compared to other banks in Mississippi, Community Bank, Coast has a significantly higher percent of Small Business 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 41.53
Credit Card Loans 0.00
Consumer Auto Loans 1.00
Small Business Loans 19.63
Construction and Development Loans 12.54
Commercial Real Estate 32.99
Commercial and Industrial Loans 7.25
Farm Loans 0.01

Frequently Asked Questions About Community Bank, Coast

Branches and Savings

Is Community Bank, Coast FDIC insured?

Yes. It is covered under FDIC Certificate #34121.

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

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

Why are Community Bank, Coast CD rates not competitive?

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

Is Community Bank, Coast a commercial bank?


Where are Community Bank, Coast locations?

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Is Community Bank, Coast open on Saturdays?

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Are Community Bank, Coast ATMs Open 24/7?

Do Community Bank, Coast ATMs accept cash deposits?

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Will Community Bank, Coast notarize my document?

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

Will the Community Bank, Coast branch print checks?

Do Community Bank, Coast checks expire?

Does Community Bank, Coast require US citizenship to open account?

Can Community Bank, Coast close my account?

Does Community Bank, Coast Report to credit bureaus?

Does Community Bank, Coast Use Equifax?

What is Community Bank, Coast's ACH Routing Number?

What is Community Bank, Coast's SWIFT code?


Does Community Bank, Coast offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Community Bank, Coast offer personal loans?

Compare personal loan rates here.

Does Community Bank, Coast offer student loans?

Will Community Bank, Coast cash a check?

Will Community Bank, Coast redeem a savings bond?

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Does Community Bank, Coast do currency exchange?

Background on The Bank

Who owns Community Bank, Coast?

How long has Community Bank, Coast been around?

Can Community Bank, Coast transfer to other banks?

Does Community Bank, Coast have quick pay?

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Will Community Bank, Coast accept loose change?

Where is Community Bank, Coast headquarters?

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