Intracoastal Bank

What Intracoastal Bank does

Intracoastal Bank is a privately held community bank founded in 2008 and headquartered in Palm Coast, Florida, serving the Flagler and Volusia county market through two physical branches (Palm Coast and Daytona Beach). The bank offers a full-service retail and commercial banking platform, including personal and business deposit products (checking, savings, money market, CDs, IRAs/HSAs), lending products (personal loans, auto loans, HELOCs, business lines of credit, equipment loans, commercial real estate), and a Treasury Management suite covering ePayments, ACH origination, Remote Deposit Capture, Positive Pay fraud control, Merchant Services POS, and Lockbox services. Credit cards for both consumer and business customers are delivered through a third-party partnership with The Card Services Center rather than via an in-house card platform.

The technology stack is a traditional community banking platform augmented with standard digital banking capabilities: online banking, a mobile app with mobile deposit, bill pay, Zelle peer-to-peer payments, eAlerts, and eStatements. The core architecture integrates digital self-service channels with branch-based relationship management; no proprietary AI, machine learning, or advanced data analytics capabilities are referenced. Customer acquisition is community-led, relying on local referrals, civic partnerships, and physical branch touchpoints rather than broad digital marketing, consistent with the bank's stated "neighbor bank" positioning against national institutions. Revenue mechanics are conventional for a community bank: net interest income from deposit and lending activity, supplemented by fee income from treasury management, merchant services, and card interchange routed through third-party partners. Customer segments are split horizontally between individual consumers and local SMBs across diverse industries (healthcare, food service, home services, retail), with no material concentration in any single account.

Name

Intracoastal Bank

Legal name

Intracoastal Bank

Website

https://intracoastalbank.net

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

11–50 employees

Short description

Intracoastal Bank is a privately held community bank founded in 2008 in Palm Coast, Florida, serving individuals and small-to-medium businesses in Flagler and Volusia counties through two branches and a standard digital banking platform offering deposits, loans, treasury management, and merchant services.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221), Savings Institutions and Other Depository Credit Intermediation (52218)

SIC

State Commercial Banks (6022), Personal Credit Institutions (6141), Functions Related To Depository Banking, Nec (6099)

akta.pro primary industry

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)

akta.pro secondary industries

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA), Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI), Retail Lending (Personal Loans, Auto, Credit Lines) (FSABAAAB), Real Estate (Commercial Property, REITs) (FSABACAH)

Keywords

• Community banking
• Retail banking services
• Commercial lending
• Treasury management
• Personal banking

Headquarters

HQ city

Palm Coast

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Deposit Products: Interest-bearing and non-interest-bearing deposit accounts including checking, savings, money market accounts, and certificates of deposit. Revenue generated through interest rate spreads and account fees.
2. Lending Products: Personal loans, auto loans, home equity lines of credit, business loans, equipment financing, and commercial real estate loans. Revenue generated from interest on loans.
3. Treasury Management Services: Fee-based services including wire transfers, ACH origination, remote deposit capture, merchant services point of sale, and lockbox services for business customers.
4. Credit Card Services: Business and personal credit card programs offered through third-party partnership with The Card Services Center.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Intracoastal Bank is a community bank providing deposit accounts (checking, savings, money market, CDs, IRAs, HSAs), lending products (personal loans, auto loans, HELOCs, business lines of credit, equipment loans, commercial real estate loans), treasury management services for businesses (wires, ACH, Remote Deposit Capture, Positive Pay, merchant services, lockbox), credit cards via third-party partnership, and digital banking (online, mobile, mobile deposit, bill pay, Zelle, eStatements, eAlerts) to individual consumers and small/medium businesses in Flagler and Volusia counties, Florida.

Product overview

Intracoastal Bank is a community bank serving the Flagler and Volusia county area of Florida since 2008, offering a unified banking platform with distinct product lines for personal and business customers. The personal banking suite includes checking, savings, CDs/IRAs, Health Savings Accounts, personal loans, auto loans, HELOCs, and credit cards. The business banking suite encompasses business checking, business savings, commercial lending (lines of credit, equipment loans, commercial real estate loans), treasury management services (ACH/wire payments, Remote Deposit Capture, Positive Pay fraud control, Merchant Services POS, Lockbox), and business credit cards. Digital banking services including online banking, mobile banking, mobile deposit, bill pay, Zelle, eStatements, and eAlerts provide cross-cutting digital access to both personal and business accounts. The bank operates from two Florida locations (Palm Coast and Daytona Beach).

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Checking Basic deposit account for personal banking customers, with overdraft protection options. Part of the personal deposit product suite offered alongside money market, savings, CDs, IRAs, and HSAs.
• Personal Savings Savings account for personal customers to deposit and grow funds, with available money market options.
• Personal CDs and IRAs Certificate of deposit (CD) products and Individual Retirement Accounts (IRAs) for long-term savings and tax-advantaged retirement savings for personal banking customers.
• Health Savings Account (HSA) Health Savings Account (HSA) for managing healthcare expenses with tax advantages, offered to personal banking customers.
• Personal Loans General personal lending products including secured loans and auto loans for personal banking customers.
• Home Equity Line of Credit (HELOC) Revolving credit line secured by home equity for personal banking customers, providing flexible access to funds for personal use.
• Personal Credit Card Credit card products for personal banking customers, offered through a third-party partnership with The Card Services Center.
• Business Checking Deposit account for business customers with money market and overdraft protection options, designed for SMB operating accounts.
• Business Savings Savings account for business customers, including money market and certificate of deposit options, for SMB reserves and excess liquidity.
• Lines of Credit (Business) Revolving credit facilities for business customers to manage cash flow and working capital needs.
• Equipment Loans Financing for business equipment purchases and capital investments by SMB customers.
• Commercial Real Estate Loans Loans and financing for commercial property acquisition, development, and refinancing for business customers.
• Business Credit Card Credit card products for business customers, offered through a third-party partnership with The Card Services Center.
• Treasury Management Suite of business banking services including ePayments (wire and ACH), ACH origination, Remote Deposit Capture, Positive Pay fraud control, Merchant Services POS, Lockbox, Courier Services, and Night Drop Depository, designed for SMB operational cash management.
• Online Banking Web-based digital banking platform providing 24/7 account access, transaction management, bill pay, Zelle, eStatements, eAlerts, and financial services access for personal and business customers.
• Mobile Banking Mobile application for smartphone access to banking services including account management, transactions, mobile deposit, bill pay, Zelle, eAlerts, and eStatements for personal and business customers.
• Merchant Services Point of Sale Payment processing solutions for business merchants accepting card transactions at point of sale.

Quantifiable outcome

• Community-focused banking since 2008

Named customers5 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature3 records

Scale indicators2 records

Recent moves6 records

Expansion highlights3 records

Direct peers

• Climate First Bank: Florida-based community bank of similar scale offering personal and business deposit and lending products to a defined regional market — directly comparable footprint, product set, and relationship-led model.
• Cogent Bank: Florida community bank serving consumers and small businesses with full-service deposit, lending, and treasury-style products; similar regulatory profile and growth-stage scale to Intracoastal.
• US Century Bank: Florida-based community bank focused on consumer and small-business deposit/lending relationships in defined local markets — comparable product mix and full-service community banking model.
• BayFirst Financial: Florida community bank with personal and business banking offerings, including treasury and small-business services — direct comparison on product breadth, scale, and Florida geography.
• Crew Bank: Small-scale community/relationship bank offering deposit and business banking products with a strong digital channel — comparable deposit-led, multi-product community banking franchise.

Broad incumbents

• BankUnited: Florida-headquartered regional bank with broad consumer and commercial banking across the state; competes for the same Flagler/Volusia SMB and consumer deposits and loans at greater scale.
• Truist Financial Corporation: Large Southeast regional bank with full retail, small-business, and commercial real estate capabilities across Florida — sets pricing/benchmark competition for both deposits and lending.
• First Horizon Corporation: Regional bank with community-style banking franchise across the Southeast, including consumer deposits and CRE lending — comparable product set at much larger scale.
• Pinnacle Financial Partners: Southeast US community-banking-style franchise with deposit, treasury, and commercial lending focused on SMBs — overlap with Intracoastal's relationship-driven CRE and treasury management focus.

Regional players

• Sunrise Banks: Community bank with consumer/SMB deposit and lending emphasis operating in a different but comparable regional footprint — analogous service model and customer mix to Intracoastal.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights5 records

Customer concentration

• Xx.com/intracoastalbnk
• Facebookfacebook.com/intracoastalbank
• LinkedInlinkedin.com/company/intracoastal-bank

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Intracoastal Bank