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Overview / Commentary
2414 N Marine Blvd
Jacksonville, NC 28546

Coastal Bank & Trust is headquartered in Jacksonville and is the 40th largest bank in the state of North Carolina. It is also the 4,351st largest bank in the nation. It was established in 2009 and as of December of 2017, it had grown to 22 employees at 2 locations. Coastal Bank & Trust's CD rates are 40% higher than the national average, and it has an A health rating.


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Coastal Bank & Trust has a relatively low asset base.

Health Grade Components

FDIC Certificate #58899
Year Established2009
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.78%
Return on Equity - YTD19.99%
Annual Interest Income$4.0MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$94.8MM$91.3MM
LoansQ4 2017vs Q4 2016$72.9MM$73.0MM
DepositsQ4 2017vs Q4 2016$85.0MM$83.3MM
Equity CapitalQ4 2017vs Q4 2016$9.6MM$7.9MM
Loan Loss AllowanceQ4 2017vs Q4 2016$1.1MM$1.0MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$0$123.00K
Real Estate OwnedQ4 2017vs Q4 2016$512.00K$535.00K
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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

0.30%$100-IRA Savings
0.15%$100-CBT Savings
0.15%--CBT Minor Savings
0.10%$200-CBT Business Savings

Coastal Bank & Trust Money Market Rates

0.35%*$200k*-CBT Platinum Money Market
OTHER TIERS: 0.15% $1k - $25k | 0.20% $25k - $50k | 0.25% $50k - $100k | 0.30% $100k - $200k
0.30%*$200k*-CBT Business Platinum Money Market
OTHER TIERS: 0.10% $1k - $25k | 0.15% $25k - $50k | 0.20% $50k - $100k | 0.25% $100k - $200k
0.25%*$100k*-CBT Money Market
OTHER TIERS: 0.10% $1k - $10k | 0.15% $10k - $50k | 0.20% $50k - $100k
0.20%*$100k*-CBT Business Money Market
OTHER TIERS: 0.05% $1k - $10k | 0.10% $10k - $50k | 0.15% $50k - $100k

Coastal Bank & Trust Checking Account Rates

0.75%$500-CBT IOLTA Checking
0.25%*$100k*-CBT Platinum Checking
OTHER TIERS: 0.10% Up to $10k | 0.15% $10k - $50k | 0.20% $50k - $100k
0.20%*$100k*-CBT Select Checking
OTHER TIERS: 0.05% Up to $10k | 0.10% $10k - $50k | 0.15% $50k - $100k
0.18%$200-CBT Commercial Analysis Checking
0.15%--CBT Patriot Checking
0.15%--CBT Fifty Plus Checking
0.15%$100-CBT Community Checking
0.10%--CBT Interest Checking

Coastal Bank & Trust CD Rates

1.91%$500-60 Month CD
1.81%$500-54 Month CD
1.71%$500-48 Month CD
1.61%$500-42 Month CD
1.51%$500-36 Month CD
1.46%$500-36 Month Bump Special CD
1.41%$500-24 Month CD
1.36%$500-24 Month Bump Special CD
1.31%$500-18 Month CD
1.26%$500-12 Month CD
0.90%$500-9 Month CD
0.85%$500-6 Month CD
0.60%$500-3 Month CD

Coastal Bank & Trust IRA Rates

1.91%$500-60 Month IRA
1.81%$500-54 Month IRA
1.71%$500-48 Month IRA
1.61%$500-42 Month IRA
1.51%$500-36 Month IRA
1.46%$500-36 Month Bump Special IRA
1.41%$500-24 Month IRA
1.36%$500-24 Month Bump Special IRA
1.31%$500-18 Month IRA
1.26%$500-12 Month IRA
0.90%$500-9 Month IRA
0.85%$500-6 Month IRA
0.60%$500-3 Month IRA

Coastal Bank & Trust Locations
Coastal Bank & Trust2414 N Marine BlvdJacksonville, NC 28546
Holly Ridge Branch300 Us Hwy 17 NorthHolly Ridge, NC 28445

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