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1300 West Tunnell Boulevard
Houma, LA 70360

Coastal Commerce Bank is headquartered in Houma and is the 30th largest bank in the state of Louisiana. It is also the 1,677th largest bank in the nation. It was established in 1999 and as of March of 2014, it had grown to 95 employees at 7 locations. Coastal Commerce Bank's savings rates are 94% higher than the national average, and it has a A 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 Coastal Commerce Bank had $1.61 million in non-current loans and owned real-estate with $40.29 million in equity and loan loss allowances on hand to cover it. This gives Coastal Commerce Bank a Texas Ratio of 4.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Coastal Commerce Bank experienced no significant changes from 4.25% as of March 31, 2013 to 4.00% as of March 31, 2014, resulting in a positive change of 5.82%.This indicates that the balance sheet and financial strength for Coastal Commerce Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Coastal Commerce Bank has increased its total deposits by $23.95 million, resulting in 7.08% 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 Commerce 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. Coastal Commerce Bank has $399.98 million in assets with $40.29 million in equity, resulting in a capitalization level of 10.07%, which is above average.

Institution Statistics

FDIC Certificate #35005
Year Established1999
Primary RegulatorFDIC
Assets and Liabilities
Assets$399.98 million
Loans$263.24 million
Deposits$362.12 million
Equity Capital$34.53 million
Loan Loss Allowance$5.76 million
Unbacked Noncurrent Loans$1.45 million
Real Estate Owned$158,000
Historic Data - March 2013
Assets$376.88 million
Equity Capital$33.20 million
Loan Loss Allowance$4.84 million
Unbacked Noncurrent Loans$1.45 million
Real Estate Owned$1.36 million
Profit Margin - Quarterly
Net Interest Margin4.18%
Return on Assets1.73%
Return on Equity19.99%
Interest Income$4.43 million

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Coastal Commerce Bank Savings Account Rates

1.01%--Health Savings Account (NOW)
1.01%-$10kKasasa Saver - Qualifying
0.50%--Christmas Club
0.25%--Personal Savings
0.25%--Coastal Club Savings
0.25%--Savings IRA
0.25%--Commercial Savings Account
0.05%--Kasasa Saver - Non Qualifying

Coastal Commerce Bank Money Market Rates

0.30%$100k-Money Market
0.30%$100k-Commercial Money Market
0.05%$5k-Public Fund Money Market

Coastal Commerce Bank Checking Account Rates

2.01%-$10kKasasa Cash - Qualifying
0.25%$50k-Advantage Checking
0.25%$2k-Club Checking
0.25%$2,500-Commercial Interest Checking
0.15%$2,500-Public Interest Checking
0.05%--Kasasa Cash - Non Qualifying

Coastal Commerce Bank CD Rates

1.60%$100k-60 Month CD
1.60%$100k-Business 60 Month CD
1.10%$100k-36 Month CD
1.10%$100k-Business 36 Month CD
0.85%$100k-24 - 35 Month CD
0.85%$100k-Business 24 - 35 Month CD
0.70%$100k-18 - 23 Month CD
0.70%$100k-Business 18 - 23 Month CD
0.60%$100k-12 - 17 Month CD
0.60%$100k-Business 12 - 17 Month CD
0.40%$100k-182 - 364 Day CD
0.40%$100k-Business 182 - 364 Day CD
0.30%$100k-90 - 181 Day CD
0.30%$100k-Business 90 - 181 Day CD
0.25%$100k-15 - 89 Day CD
0.25%$100k-Business 15 - 89 Day CD
0.21%$100k-14 Day CD
0.21%$100k-Business 14 Day CD

Coastal Commerce Bank IRA Rates

1.50%$1k$100k5 Year IRA
1.10%$100k-3 Year IRA
0.85%$100k-2 Year IRA
0.60%$100k-1 Year IRA

Coastal Commerce Bank Locations
Thibodaux Branch107 Canal BoulevardThibodaux, LA 70301
Coastal Commerce Bank1300 West Tunnell BoulevardHouma, LA 70360
Larose Office Branch14052 West Main StreetCut Off, LA 70345
Chauvin Branch5094 Highway 56Chauvin, LA 70344
West Houma Branch5830 West Main StreetHouma, LA 70360
East Houma Branch708 Grand Caillou RoadHouma, LA 70363