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Overview / Commentary
500 Marsh Street
San Luis Obispo, CA 93401

Coast National Bank is headquartered in San Luis Obispo and is the 184th largest bank in the state of California. It is also the 4,192nd largest bank in the nation. It was established in 1997 and as of March of 2014, it had grown to 36 employees at 3 locations. Coast National Bank has a B+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Coast National Bank had $1.38 million in non-current loans and owned real-estate with $9.84 million in equity and loan loss allowances on hand to cover it. This gives Coast National Bank a Texas Ratio of 14.01% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Coast National Bank decreased slightly from 19.56% as of March 31, 2013 to 14.01% as of March 31, 2014, resulting in a positive change of 28.39%.This indicates that the balance sheet and financial strength for Coast National Bank has improved slightly in recent periods.

Deposit Growth


In the past year, Coast National Bank has increased its total deposits by $9.63 million, resulting in 9.07% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Coast National Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Coast National Bank has $123.98 million in assets with $9.84 million in equity, resulting in a capitalization level of 7.93%, which is below average.

Institution Statistics

FDIC Certificate #34381
Year Established1997
Primary RegulatorOCC
Assets and Liabilities
Assets$123.98 million
Loans$70.79 million
Deposits$115.78 million
Equity Capital$8.07 million
Loan Loss Allowance$1.77 million
Unbacked Noncurrent Loans$14,000
Real Estate Owned$1.36 million
Historic Data - March 2013
Assets$114.73 million
Equity Capital$7.61 million
Loan Loss Allowance$2.95 million
Unbacked Noncurrent Loans$14,000
Real Estate Owned$1.46 million
Profit Margin - Quarterly
Net Interest Margin3.41%
Return on Assets-0.54%
Return on Equity-8.17%
Interest Income$992,000

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Coast National Bank Locations
Arroyo Grande Branch1360 East Grand AvenueArroyo Grande, CA 93420
Paso Robles Branch2138 Spring Street, Suite APaso Robles, CA 93446
Coast National Bank500 Marsh StreetSan Luis Obispo, CA 93401