Local SME Banking Intracoastal Bank emphasizes serving Volusia and Flagler counties with personal and business accounts and loans tailored to local clients, backed by a broad base of local business leaders as shareholders. This presents opportunities to expand sales of SBA loans, working capital lines, equipment financing, merchant services, cash management and other treasury services to small and mid-sized businesses in the region.

Hospitality Focus Board member Tim Curtis connects the bank to the local hospitality sector, including Ormond-area restaurants. This creates a channel for targeted financing and working capital solutions for restaurants and hospitality businesses, plus equipment leases, POS integrations, merchant services and vendor financing.

Digital & Security With a tech-forward stance and a modern stack including progressive web apps and security headers, Intracoastal Bank can be positioned to upgrade digital banking offerings, enable API integrations, strengthen fraud prevention, multi-factor authentication, open banking capabilities and secure payments for clients.

Growth Enablement The bank’s strategy centers on steady growth and expansion within its community footprint. Sales opportunities include CRM and marketing automation support, data analytics for customer insights, scalable core banking components, and branch performance and experience improvements to sustain growth.

Leadership Network A leadership-driven, community-backed model with a new CEO and board of local leaders opens chances for co-branded marketing, sponsorships and referral partnerships with local business groups and chambers, as well as targeted financing solutions aligned with the needs of locally owned businesses.