Nature Coast Bank

Headquarters

2455 North Citrus Hills Boulevard
Hernando, FL 34442
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.05% →
1-Year CD N.A. 0.95% →
2-Year CD N.A. 1.05% →
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

Nature Coast Bank is an FDIC insured institution located in Hernando, FL. It was founded in 2005 and has approximately $0.06 billion in assets.

FDIC Insured Yes
FDIC Certificate # 57773
Date Established 2005
Assets $ 60.64 million
Loans $ 39.00 million
Deposits $ 47.07 million
Capital $ 8.05 million
 

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

Deposit Rates - September 26, 2020

Your Current Location: Virginia, VA 20146


Loan Rates - September 26, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Nature Coast 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 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
3.998% 3.875% 1.00 $3,750 $1,176 Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
2.815% 2.750% 0.88 $2,102 $1,021 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.990 %
$0 Learn More
More Info

Note to Nature Coast Bank
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Branches

Nature 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:
Ashburn,Virginia


Nature Coast Bank Locations


Financial Details

Nature Coast Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Nature Coast 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
Nature Coast Bank U.S. Bank Average
13.33% 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, Nature Coast Bank had $206,000 in non-current loans and $960,000 in owned real estate. To cover these potential losses it had $8,051,000 in equity and $695,000 in loans loss reserves. That gives it a Texas Ratio of 13.33%.

Return on Equity
Nature Coast Bank U.S. Bank Average
2.38% 7.80%

Nature Coast Bank has a Return on Equity of 2.38% 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
Nature Coast Bank U.S. Bank Average
13.28% 12.68%

Nature Coast Bank has a Capitalization of 13.28% 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.

Nature Coast Bank Balance Sheet Analysis

As of December 31, 2016, Nature Coast Bank had assets of $55,124,000, loans of $39,004,000, and deposits of $47,066,000. 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 $ 39.00 million
Loan loss allowance $ 0.70 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.96 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 47.07 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 $ 60.64 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 Nature Coast Bank’s loan portfolio are Commercial Real Estate, Small Business Loans, and 1-4 Family Residential Loans.

Compared to other banks in Florida, Nature Coast Bank has a significantly higher percent of Small Business Loans, Commercial Real Estate 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 16.23
Multifamily
Mortgages
0.92
Credit Card Loans 0.00
Consumer Auto Loans 0.22
Small Business Loans 51.43
Construction and Development Loans 4.62
Commercial Real Estate 67.58
Commercial and Industrial Loans 9.12
Farm Loans 0.00

Frequently Asked Questions About Nature Coast Bank

Branches and Savings

Is Nature Coast Bank FDIC insured?

Yes. It is covered under FDIC Certificate #57773.

Why does Nature 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 Nature Coast Bank CD rates not competitive?

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

Is Nature Coast Bank a commercial bank?

Yes

Where are Nature Coast Bank locations?

See branch locations nearby.

Is Nature Coast Bank open on Saturdays?

Is Nature Coast Bank open on Sundays?

What time does Nature Coast Bank open?

What time does Nature Coast Bank close?

Are Nature Coast Bank ATMs Open 24/7?

Do Nature Coast Bank ATMs accept cash deposits?

Can Nature Coast Bank customers use other ATMs?

Do Nature Coast Bank branches have notaries?

Will Nature Coast Bank notarize my document?

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

Will the Nature Coast Bank branch print checks?

Do Nature Coast Bank checks expire?

Does Nature Coast Bank require US citizenship to open account?

Can Nature Coast Bank close my account?

Does Nature Coast Bank Report to credit bureaus?

Does Nature Coast Bank Use Equifax?

What is Nature Coast Bank's ACH Routing Number?

What is Nature Coast Bank's SWIFT code?

Products

Does Nature Coast Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Nature Coast Bank offer personal loans?

Compare personal loan rates here.

Does Nature Coast Bank offer student loans?

Will Nature Coast Bank cash a check?

Will Nature Coast Bank redeem a savings bond?

Does Nature Coast Bank cash savings bonds?

Will Nature Coast Bank cash money orders?

Can Nature Coast Bank issue a money order?

Does Nature Coast Bank do currency exchange?

Background on The Bank

Who owns Nature Coast Bank?

How long has Nature Coast Bank been around?

Can Nature Coast Bank transfer to other banks?

Does Nature Coast Bank have quick pay?

Does Nature Coast Bank accept rolled coins?

Will Nature Coast Bank accept loose change?

Where is Nature Coast Bank headquarters?

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