EMERALD COAST
CUPORT ST JOE, FL
Total Assets
$65M
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Total Loans
$40M
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EMERALD COAST in FL reported a Texas Ratio of 2.4% in Q2 2026, rising +0.1pp from the prior quarter. Nonperforming assets accounted for 0.32% of the portfolio, increasing +0.01pp sequentially.
Portfolio composition
| Category | Balance | % of total | NPL % | Charge-off % |
|---|---|---|---|---|
| 1-4 family — 1st lien | $11M | 27.4% | — | — |
| 1-4 family — junior lien | $1M | 3.0% | — | — |
| Multifamily | $0 | 0.0% | — | — |
| FOUNDATION Consumer Auto New — Unlock to view | ||||
| FOUNDATION Consumer Auto Used — Unlock to view | ||||
| FOUNDATION Consumer Credit Card — Unlock to view | ||||
| FOUNDATION Consumer Other Unsecured — Unlock to view | ||||
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20-quarter trend panels
See how Texas Ratio, NPL %, and charge-offs evolved across the last 5 years.
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Peer cohort comparison
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Full portfolio composition
Every loan category, NPL ratio, and charge-off rate — beyond the top 3.
EMERALD COAST currently appears on: MBL Cap Pressure