Coastal Bank & Trust

2414 N Marine Blvd
Jacksonville, NC 28546
910-577-3200
www.coastalbanknc.com

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Coastal Bank & Trust is headquartered in Jacksonville and is the 82^nd largest bank in the state of North Carolina. It is also the 5,966^th largest bank in the nation. It was established in 2009 and as of March of 2012, it had grown to 14 employees at 1 location. Coastal Bank & Trust's savings rates are 44% higher than the national average, and it boasts a 5-star health rating.

Coastal Bank & Trust Routing Number: 053112880

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See Rates for: Checking | Savings | Money Market | CD | IRA

Coastal Bank & Trust Checking Account Rates

Apy	Min	Max	Product
0.75%	$500	-	CBT IOLTA Checking
0.60%	$100k	-	CBT Platinum Checking
0.45%	$100k	-	CBT Select Checking
0.25%	$100	-	CBT Patriot Checking
0.25%	-	-	CBT Fifty Plus Checking
0.25%	$100	-	CBT Community Checking
0.18%	$200	-	CBT Commercial Analysis Checking
0.15%	$100	-	CBT Interest Checking

Coastal Bank & Trust Savings Account Rates

Apy	Min	Max	Product
0.75%	-	-	IRA Savings
0.25%	$100	-	CBT Savings
0.25%	-	-	CBT Minor Savings
0.25%	-	-	CBT Club Savings
0.25%	$200	-	CBT Business Savings

Coastal Bank & Trust Money Market Rates

Apy	Min	Max	Product
0.80%	$200k	-	CBT Platinum Money Market
0.70%	$200k	-	CBT Business Platinum Money Market
0.60%	$100k	-	CBT Money Market
0.55%	$100k	-	CBT Business Money Market

Coastal Bank & Trust CD Rates

Apy	Min	Max	Product
1.41%	$500	-	60 Month CD
1.31%	$500	-	54 Month CD
1.26%	$500	-	48 Month CD
1.11%	$500	-	42 Month CD
1.01%	$500	-	36 Month CD
0.90%	$500	-	24 Month CD
0.85%	$500	-	18 Month CD
0.80%	$500	-	12 Month CD
0.70%	$500	-	9 Month CD
0.60%	$500	-	6 Month CD
0.50%	$500	-	3 Month CD

Coastal Bank & Trust IRA Rates

Apy	Min	Max	Product
1.41%	$500	-	60 Month IRA
1.31%	$500	-	54 Month IRA
1.26%	$500	-	48 Month IRA
1.11%	$500	-	42 Month IRA
1.01%	$500	-	36 Month IRA
0.90%	$500	-	24 Month IRA
0.85%	$500	-	18 Month IRA
0.80%	$500	-	12 Month IRA
0.70%	$500	-	9 Month IRA
0.60%	$500	-	6 Month IRA
0.50%	$500	-	3 Month IRA

Rates updated: 5/24/2012

Data for Q1 2012

Institution Statistics

Coastal Bank & Trust
FDIC Certificate #	58899
BankRate Report	View
Year Established	2009
Employees	14
Primary Regulator	FDIC
Assets and Liabilities
Assets	$63.71 million
Loans	$43.13 million
Deposits	$56.18 million
Equity Capital	$7.40 million
Loan Loss Allowance	$623,000
Historic Data - March 2011
Assets	$53.77 million
Equity Capital	$7.37 million
Loan Loss Allowance	$556,000
Profit Margin - Quarterly
Net Interest Margin	3.86%
Return on Assets	0.25%
Return on Equity	2.06%
Interest Income	$679,000

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Coastal Bank & Trust had $0 in non-current loans and owned real-estate with $8.02 million in equity and loan loss allowances on hand to cover it. This gives Coastal Bank & Trust a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Deposit Growth
In the past year, Coastal Bank & Trust has increased its total deposits by $9.9 million, resulting in 21.41% 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 Coastal Bank & Trust has shown is excellent.
Capitalization
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. Coastal Bank & Trust has $63.71 million in assets with $8.02 million in equity, resulting in a capitalization level of 12.59%, which is excellent.

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