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Intracoastal Bank Ranked an Optimal Performer in 2016 by Seifried & Brew

Palm Coast, FL (April 18, 2017) - Seifried & Brew, LLC, a community bank consulting and risk management firm, ranks
Intracoastal Bank as a high-performing bank in its prestigious 2016 S&B Top 15th Percentile. This designation is assigned
to banks whose overall performance ranks them within the top 15 percent of all community banks in the nation. To
receive this distinguished honor, Intracoastal Bank demonstrated exemplary performance by managing their exposure
to risk while maintaining a notable level of reward. “Being part of the Top 15th Percentile is a great
accomplishment...and is no small feat!” says Jamie Sumner, chief analyst of Seifried and Brew, LLC. “In fact, this
designation shows that these banks have been able to optimally balance risk and reward throughout 2016.”

The ranking is based on the S&B index, which measures individual bank performance and then compares banks across the
United States. The banks included in this index have assets between $10 million and $30 billion. The S&B Top 15th Percentile
ranking has been released every year since 2011. Whereas other organizations rank bank performance, the S&B composite
score takes into consideration both risk and reward. J.C. Brew, president & CEO, continued, “The S&B Top 15th ranking says
to bank customers that their bank demonstrates exemplary management and safety as an institution.”

For further information, please contact:

Bruce Page
President & C.E.O.
2140 LPGA Blvd.
Daytona Beach, Florida 32117
1290 Palm Coast Parkway NW
Palm Coast, FL. 32137
Office: 386- 449-0958
Fax: 386-447-1663
Cell: 386-864-0611
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