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About Us


    Intracoastal Bank Groundbreaking

    Intracoastal Bank was conceived by a group of Flagler County business people who had the vision to establish a truly local "hometown community bank." Flagler County is located along the Atlantic coast between Daytona Beach and Jacksonville in Northeast Florida. The Bank's office, at 1290 Palm Coast Parkway NW in Palm Coast, FL, opened in June 2008.

    Intracoastal Bank's shareholders consist of a diverse group of about 100 local business leaders and citizens. The Bank is led by a distinguished board of directors, including Bruce E. Page, President and Chief Executive Officer. The Bank's professional staff and Board of Directors, most of which are Flagler County residents, have a long history and tradition in community banking.

    The bank has a strategic plan to remain small so that we can provide the quality service that we are known for. As a Subchapter S Bank, we are committed to being a part of our community for many years to come. Our mission is to grow slowly and steadily. The bank's strategic plan is not to grow rapidly and sell to another financial institution.

    Intracoastal Bank offers the products and services that a large bank offers with the personal and friendly touch that only a true hometown bank can offer. We have the best technology available which allows the bank to customize our products and services to meet the needs of our corporate and retail customers.

    Intracoastal Bank believes in giving back to our community. The employees live in our community and volunteer many hours to help make our community a better place to live. Deposits are kept in our county to benefit our local economy. This helps our community to be more prosperous. 

  • Best-Around

    Intracoastal Bank is proud to have won

    The Area's Best Bank




    Intracoastal Bank is awarded the Chairman’s

    Corporate Pinnacle Award for 2012

    by the Flagler County Commission.


    2012/2013 Palm Coast Observer's

    "Standing O" - Financial Institution



    Intracoastal Bank is a proud sponsor of the

    Mobile Benefits Program


  •  Intracoastal Bank “Your Hometown Bank” Advantages

    • We offer the highest quality personal service available in our market.
    • We offer products and services that are tailored to meet the distinct attributes of our community.
    • We offer true relationship banking with financial solutions customized to fulfill the unique needs of each customer.
    • We offer local decisions made by a professional banking staff and directors with over 300 years of experience in our market.
    • We provide true local service. Our staff is personally accessible to our customers in person or by phone (compared to mega banks where phone calls and many decisions are routed out of area).
    • We are deeply involved in local community affairs.
    • We provide loans to the neighborhoods and business districts where our depositors live and work, helping our community stay vibrant and growing.
    • We consider character, and someone's unique personal circumstances, in making loan decisions.
    • We offer enlightened decision-making on loans, because decisions are made locally.
    • As a locally owned and managed organization we understand the unique needs of other business owners.

    Customer Service Commitment:

    • We are committed to go above and beyond to provide our community with friendly personalized service.
    • We vow to recognize each customer as a valued member of our community.
    • We will honor each customer with the utmost respect that they deserve.
    • We promise to be your bank where trust is one of our top priorities.
    • We pledge as your community bank, all phone calls will be answered locally.  We promise to return your phone calls promptly and no later than sunset.
  • Intracoastal Bank President & CEO Receives United Way Highest Honor for Volunteering

    Intracoastal Bank is excited to announce that Bruce Page, President and CEO of Intracoastal Bank has received the President's CALL TO SERVICE award from the United Way of Volusia and Flagler. The President’s CALL TO SERVICE AWARD is the highest national honor offered in recognition of a lifetime of volunteer service.

    Mr. Page is a longtime member of the United Way Board of Directors.  He serves as a committee chair, and most recently has been instrumental in the United Way's work in Flagler County with the development of the Flagler County Mobile Benefits Program.  He is a longtime Rotarian and supporter of other local agencies such as Florida Hospital Flagler, the Flagler Chamber of Commerce and currently serves as the chair for Whitney Laboratory for Marine Bioscience, University of Florida.

    Bruce Page of Intracoastal Bank accepts the
    United Way Live United Community Award
    from United Way President Ray Salazar.  



    “If United Way had a directory of excellent community partners, Intracoastal Bank and its President Bruce Page would be high on that list! Intracoastal Bank and its employees maintain a culture of community spirit and service.  They have been extraordinary in the cause of helping those in need while building a strong economic infrastructure to serve its customers and community. Intracoastal Bank is a model of what it means to Live United.”

    Ray Salazar,
    United Way President





  •  Financials as of December 31, 2013

      Assets: $199.8 MM

     Deposits: $183.0 MM

     Loans: $106.4 MM

    Income $2.90 MM


     Financials as of December 31, 2012

     Assets: $179.1 MM

     Deposits: $159.9 MM

     Loans: $91.2 MM

     Income: $2.1 MM