This institution is no longer active

Operations ceased on April 9, 2024. CRA examination history below reflects the period it was active.

COASTAL BANK & TRUST

JACKSONVILLE, NC · Supervised by FDIC

Est. 2009FDIC #58,899RSSD: FDIC-58899

Satisfactory

Current rating · Exam: November 2010

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.66%

Institution Profile

FDIC BankFind

Address

2414 N Marine Blvd, JACKSONVILLE, NC

County

Onslow County

Established

April 13, 2009

Total Assets

$223M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

November 1, 2010

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 15 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2024Call Report / FDIC

Total Assets

$223M

Total Deposits

$199M

Net Loans

$174M

Net Income

$913K

ROA

1.66%

ROE

15.91%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate20.69%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	29	65.52%	20.69%
2023	47	74.47%	14.89%
2019	45	93.33%	2.22%
2018	20	90%	10.00%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

This is the only examination on record for this bank.

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