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Overview / Commentary
2455 North Citrus Hills Boulevard
Hernando, FL 34442

Nature Coast Bank is headquartered in Hernando and is the 187th largest bank in the state of Florida. It is also the 5,794th largest bank in the nation. It was established in 2005 and as of March of 2014, it had grown to 16 employees at 2 locations. Nature Coast Bank has a C+ health rating.

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Nature Coast Bank has a relatively low asset base.

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 Nature Coast Bank had $2.45 million in non-current loans and owned real-estate with $8.25 million in equity and loan loss allowances on hand to cover it. This gives Nature Coast Bank a Texas Ratio of 29.76% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Nature Coast Bank experienced no significant changes from 25.23% as of March 31, 2013 to 29.76% as of March 31, 2014, resulting in a negative change of 17.95%. This indicates that the balance sheet and financial strength for Nature Coast Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Nature Coast Bank has decreased its total deposits by $-504,000, resulting in -1.01% 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 Nature Coast Bank has shown is average.



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. Nature Coast Bank has $56.77 million in assets with $8.25 million in equity, resulting in a capitalization level of 14.53%, which is excellent.

Institution Statistics

FDIC Certificate #57773
Year Established2005
Primary RegulatorFDIC
Assets and Liabilities
Assets$56.77 million
Loans$39.02 million
Deposits$49.31 million
Equity Capital$7.37 million
Loan Loss Allowance$880,000
Unbacked Noncurrent Loans$252,000
Real Estate Owned$2.20 million
Historic Data - March 2013
Assets$57.10 million
Equity Capital$7.22 million
Loan Loss Allowance$1.01 million
Unbacked Noncurrent Loans$252,000
Real Estate Owned$2.06 million
Profit Margin - Quarterly
Net Interest Margin4.02%
Return on Assets0.27%
Return on Equity2.07%
Interest Income$546,000

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Nature Coast Bank Locations
Crystal River Branch01160 N. Suncoast BlvdCrystal River, FL 34429
Nature Coast Bank2455 North Citrus Hills BoulevardHernando, FL 34442