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About Us

About Us

Intracoastal Bank invites you to "Experience the Difference" with a locally owned and operated community bank. Intracoastal Bank opened in 2008 with the goal of supporting the community by building strong and lasting relationships with our clients. The Bank was established by a team of local residents and business owners with long-standing ties to the community. Our Board of Directors, shareowners and team members are committed to operating a "hometown" bank.


We are proud of the impact we have on the communities we serve. We are invested in helping the people and businesses in our communities thrive. As one of the few community banks in Volusia and Flagler Counties, we strive to support/strengthen the local economy by offering a variety of personal and business accounts and loans designed to help our consumer and business clients. From purchasing a new car or boat, making home improvements, to opening or expanding a business, our knowledgeable and dedicated staff can help make your goals a reality. Intracoastal Bank has invested into the local economy by lending to locally owned and operated businesses and individuals.

All credit decisions are made locally.

Our employees live in the communities we serve and participate in many local organizations and events. If something important or exciting is happening, we are there, visible to our community because we care. We are proud supporters of the United Way of Volusia/Flagler Counties as well as many other organizations and programs that support and improve the lives of local residents.


We are committed to technology. Our state-of-the-art systems ensure quick and efficient transaction processing and provide our clients with the most secure and convenient banking solutions available. We offer a full range of deposit and loan products as well as electronic and mobile banking services tailored to meet the needs of today's banking clients. Our mobile banking solutions make it easy to do your banking on your terms where and when it is convenient for you. We are continually seeking new ways to best serve our clients.


We truly care about our clients. We believe in relationship banking and are proud of both the new and long-standing "partnerships" we have established. We are inspired to help grow these relationships and to share in our clients' success. Our goal is to help all our clients – big and small - achieve their fullest potential. We are proud to have been voted "Best Bank" by the Flagler Palm Coast News Tribune Reader's Choice contest every year since 2010 and we are inspired to continue this trend going forward.

We invite you to experience the difference of a community bank by stopping by one of our state-of-the-art banking centers in Volusia or Flagler Counties. Additionally, please connect with us on social media by visiting our Facebook page at and learn more about us by visiting our website at

Our staff is involved in many charitable and professional organizations to include:

Flager County Education Foundation
Take Stock





 Winner pp2

2017 Winner of the Flagler County Chamber of Commerce
Large Business of the Year Award



Intracoastal Bank is proud to have won

The News Tribune's 2016 "Best All Around Bank"



Bauer Financial 5-Star Rating



Intracoastal Bank is awarded the Chairman's

Corporate Pinnacle Award for 2012

by the Flagler County Commission.



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.

Cause Marketing

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.

"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

Ray Bruce shot

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



United Way Business Partners recognized Intracoastal Bank for community investment of $10,000 plus

"Thank you again to Intracoastal Bank for being an United Way partner and helping to build a stronger community by investing in our community and Living United. As leaders at your businesses you set the stage for increasing education and engagement for your team members, which truly makes a difference. We need and value that leadership. Thank you for all you do."

In picture from left to right: Larry Volence - FPL, Mark Buckner - Publix, Bruce Page - Intracoastal Bank, Dennis Burns - UW, Sarah Bates, Jessica Scott, Brown & Brown Insurance, Bobbie King, Volusia County Cindy X, Bank of America Roger Manalo, Wells Fargo


Financials as of December 31, 2020

Assets: $483.6 MM
Deposits: $415.0 MM
Loans: $282.4 MM
Income $6.8 MM

Financials as of December 31, 2019

Assets: $344.3 MM
Deposits: $309.9 MM
Loans: $241.1 MM
Income $6.3 MM

Financials as of December 31, 2018

Assets: $326.3 MM
Deposits: $294.3 MM
Loans: $219.6 MM
Income $5.8 MM

Financials as of December 31, 2017

Assets: $314.8 MM
Deposits: $285 MM
Loans: $198.5 MM
Income $5.1 MM

Financials as of December 31, 2016

Assets: $284.4 MM
Deposits: $258.0 MM
Loans: $176.1 MM
Income $4.3 MM

Financials as of December 31, 2015

Assets: $266 MM
Deposits: $241.3 MM
Loans: $142.5 MM
Income $3.5 MM

Financials as of December 31, 2014

Assets: $236.5 MM
Deposits: $215.7 MM
Loans: $124.4 MM
Income $3 MM

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