First Coast Community Bank

Headquarters

1750 South 14th Street
Fernandina Beach, FL 32034
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.95% →
1-Year CD N.A. 1.01% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

First Coast Community Bank is an FDIC insured institution located in Fernandina Beach, FL. It was founded in 1987 and has approximately $0.27 billion in assets.

FDIC Insured Yes
FDIC Certificate # 27075
Date Established 1987
Assets $ 270.32 million
Loans $ 203.69 million
Deposits $ 244.04 million
Capital $ 21.85 million
 

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

Deposit Rates - October 25, 2020

Your Current Location: Washington, WA 98101


Loan Rates - October 25, 2020

Your Current Location: Washington, WA 98101

There are currently no loan rates available for First Coast 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
Payment
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Cascadia Mortgage
NMLS ID: 1505422
License#: NMLS #1505422
2.830% 2.750% 0.63 $2,622 $1,021 Learn More
AimLoan.com
NMLS ID: 2890
License#: 520-CL-25944
2.575% 2.500% 1.00 $2,470 $988 Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More

Note to First Coast Community Bank
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Branches

First Coast Community 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:
Seattle,Washington


First Coast Community Bank Locations


Financial Details

First Coast Community Bank Ratio Analysis

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

Texas Ratio
First Coast Community Bank U.S. Bank Average
35.64% 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, First Coast Community Bank had $9,874,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $21,852,000 in equity and $5,849,000 in loans loss reserves. That gives it a Texas Ratio of 35.64%.

Return on Equity
First Coast Community Bank U.S. Bank Average
-23.02% 7.80%

First Coast Community Bank has a Return on Equity of -23.02% 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.

Capitalization
First Coast Community Bank U.S. Bank Average
8.08% 12.68%

First Coast Community Bank has a Capitalization of 8.08% 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.

First Coast Community Bank Balance Sheet Analysis

As of November 30, -0001, First Coast Community Bank had assets of $266,874,000, loans of $203,688,000, and deposits of $244,044,000. 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
ASSETS
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 $ 203.69 million
Loan loss allowance $ 5.85 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.
LIABILITIES
Total deposits $ 244.04 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 $ 270.32 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
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 First Coast Community Bank’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, First Coast 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 0.00
Multifamily
Mortgages
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 First Coast Community Bank

Branches and Savings

Is First Coast Community Bank FDIC insured?

Yes. It is covered under FDIC Certificate #27075.

Why does First Coast 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 First Coast Community Bank CD rates not competitive?

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

Is First Coast Community Bank a commercial bank?

Yes

Where are First Coast Community Bank locations?

See branch locations nearby.

Is First Coast Community Bank open on Saturdays?

Is First Coast Community Bank open on Sundays?

What time does First Coast Community Bank open?

What time does First Coast Community Bank close?

Are First Coast Community Bank ATMs Open 24/7?

Do First Coast Community Bank ATMs accept cash deposits?

Can First Coast Community Bank customers use other ATMs?

Do First Coast Community Bank branches have notaries?

Will First Coast Community Bank notarize my document?

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

Will the First Coast Community Bank branch print checks?

Do First Coast Community Bank checks expire?

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

Can First Coast Community Bank close my account?

Does First Coast Community Bank Report to credit bureaus?

Does First Coast Community Bank Use Equifax?

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

What is First Coast Community Bank's SWIFT code?

Products

Does First Coast Community Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does First Coast Community Bank offer personal loans?

Compare personal loan rates here.

Does First Coast Community Bank offer student loans?

Will First Coast Community Bank cash a check?

Will First Coast Community Bank redeem a savings bond?

Does First Coast Community Bank cash savings bonds?

Will First Coast Community Bank cash money orders?

Can First Coast Community Bank issue a money order?

Does First Coast Community Bank do currency exchange?

Background on The Bank

Who owns First Coast Community Bank?

How long has First Coast Community Bank been around?

Can First Coast Community Bank transfer to other banks?

Does First Coast Community Bank have quick pay?

Does First Coast Community Bank accept rolled coins?

Will First Coast Community Bank accept loose change?

Where is First Coast Community Bank headquarters?

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