Coastal Bank & Trust

Overview / Commentary

www.coastalbanknc.com

910-577-3200

2414 N Marine Blvd
Jacksonville, NC 28546

Coastal Bank & Trust is headquartered in JACKSONVILLE and is the 30^th largest bank in the state of North Carolina. It is also the 3,007^th largest bank in the nation. It was established in 2009 and as of March of 2023, it had grown to 36 employees at 4 locations. Coastal Bank & Trust's CD rates are 5X the national average, and it has an A health rating.

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Health

Data as of Q1 2023

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Health Grade Components

Overall
FDIC Certificate #	58899
Year Established	2009
Employees	36
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	1.14%
Return on Equity - YTD	11.34%
Annual Interest Income	$2.3MM

Assets and Liabilities
Assets	Q1 2023vs Q1 2022	$206.2MM$198.4MM
Loans	Q1 2023vs Q1 2022	$156.8MM$127.1MM
Deposits	Q1 2023vs Q1 2022	$184.6MM$178.3MM
Equity Capital	Q1 2023vs Q1 2022	$20.7MM$19.4MM
Loan Loss Allowance	Q1 2023vs Q1 2022	$1.3MM$1.3MM
Unbacked Noncurrent Loans	Q1 2023vs Q1 2022	$0$0
Real Estate Owned	Q1 2023vs Q1 2022	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Coastal Bank & Trust Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.30%	-	-	IRA Savings
0.17%	$100	-	CBT Savings
0.17%	-	-	CBT Minor Savings
0.12%	$200	-	CBT Business Savings

Coastal Bank & Trust Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%^*	$200k^*	-	CBT Platinum Money Market
OTHER TIERS: 0.25% → $1k - $25k \| 0.30% → $25k - $50k \| 0.35% → $50k - $100k \| 0.40% → $100k - $200k
0.45%^*	$200k^*	-	CBT Business Platinum Money Market
OTHER TIERS: 0.20% → $1k - $25k \| 0.25% → $25k - $50k \| 0.30% → $50k - $100k \| 0.35% → $100k - $200k
0.40%^*	$100k^*	-	CBT Money Market
OTHER TIERS: 0.20% → $1k - $10k \| 0.25% → $10k - $50k \| 0.30% → $50k - $100k
0.35%^*	$100k^*	-	CBT Business Money Market
OTHER TIERS: 0.15% → $1k - $10k \| 0.20% → $10k - $50k \| 0.25% → $50k - $100k

Coastal Bank & Trust Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.20%	$500	-	CBT IOLTA Checking
0.18%	$200	-	CBT Commercial Analysis Checking
0.15%^*	$100k^*	-	CBT Platinum Checking
OTHER TIERS: 0.07% → Up to $10k \| 0.09% → $10k - $50k \| 0.12% → $50k - $100k
0.13%^*	$100k^*	-	CBT Select Checking
OTHER TIERS: 0.07% → Up to $10k \| 0.09% → $10k - $50k \| 0.11% → $50k - $100k
0.12%	$100	-	CBT Community Checking
0.09%	-	-	CBT Fifty Plus Checking
0.07%	-	-	CBT Interest Checking
0.07%	-	-	CBT Patriot Checking

Coastal Bank & Trust CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.60%	$500	-	12 Month CD Special
4.34%	$500	-	18 Month CD Special
4.08%	$500	-	6 Month CD Special
3.30%	$500	-	60 Month CD
3.05%	$500	-	54 Month CD
2.79%	$500	-	48 Month CD
2.63%	$500	-	42 Month CD
2.53%	$500	-	36 Month CD
2.53%	$500	-	36 Month Bump CD
2.28%	$500	-	24 Month CD
2.28%	$500	-	24 Month Bump CD
1.51%	$500	-	9 Month CD
1.00%	$500	-	3 Month CD

Coastal Bank & Trust IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.60%	$500	-	12 Month IRA
4.34%	$500	-	18 Month IRA
4.08%	$500	-	6 Month IRA
3.30%	$500	-	60 Month IRA
3.05%	$500	-	54 Month IRA
2.79%	$500	-	48 Month IRA
2.63%	$500	-	42 Month IRA
2.53%	$500	-	36 Month IRA
2.53%	$500	-	36 Month Bump IRA
2.28%	$500	-	24 Month IRA
2.28%	$500	-	24 Month Bump IRA
1.51%	$500	-	9 Month IRA
1.00%	$500	-	3 Month IRA

Locations

Coastal Bank & Trust Locations
Coastal Bank & Trust	2414 N Marine Blvd	Jacksonville, NC 28546
Holly Ridge Branch	300 Us Hwy 17 North	Holly Ridge, NC 28445
Richlands Branch	8800 Richlands Hwy	Richlands, NC 28574
Morehead City Branch	4737-G Arendell Street	Morehead City, NC 28557

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