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Financial Solutions for Every Stage of Life.
From everyday checking accounts and personal savings to home mortgages, small business loans, and wealth management — coatsalbark brings a full spectrum of trusted financial services to the people and businesses who call the coast home.
Banking that fits your life — and your coastline.
coatsalbark offers a full suite of personal banking products designed around the real needs of coastal families, fishers, and first-time homeowners — with transparent pricing and no hidden surprises.
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All coatsalbark deposit accounts are FDIC-insured up to $250,000 per depositor. *Monthly fee waived with qualifying direct deposit. Rates and terms as of June 2025 and subject to change.
Grow Your Business.
Protect Your Wealth.
coatsalbark offers dedicated financial solutions for coastal businesses and individuals building long-term prosperity — backed by local expertise and transparent terms.
Business Banking
For coastal enterprises of all sizes
Business Checking Accounts
No monthly fee on balances above $2,500. Free online banking, bill pay, and up to 500 transactions/month. Additional transactions at $0.25 each.
Merchant Services
Point-of-sale processing, e-commerce payment gateway, and next-day funding. Rates from 1.9{571af1cc3ea1aef478c1da95d23ef234ef0bd037b55c84edf0af3607b6696cbc} + $0.10 per transaction. Hardware rental from $29/month.
SBA & Commercial Loans
SBA 7(a) loans up to $5M, commercial real estate, and equipment financing. Eligibility requires 2+ years in business and minimum annual revenue of $150,000.
Treasury Management
Cash flow optimization, ACH origination, wire transfers, and remote deposit capture. Custom packages for businesses managing $500K+ in monthly transactions.
Transparent fee schedule: A complete business fee schedule is provided before account opening. All loan products are subject to credit approval, collateral review, and standard eligibility criteria. Rates and terms vary based on creditworthiness and loan type.
Speak with a business banker within 1 business day
Wealth Management
Personalized strategies for lasting prosperity
Investment Advisory
Diversified portfolio construction tailored to your risk tolerance and goals. Access to equities, fixed income, mutual funds, and ESG strategies. Annual advisory fee from 0.75{571af1cc3ea1aef478c1da95d23ef234ef0bd037b55c84edf0af3607b6696cbc} AUM.
Trust & Estate Services
Revocable and irrevocable trusts, estate administration, and fiduciary services. Our trust officers work alongside your legal counsel to protect generational wealth.
Retirement Planning
IRA rollovers, 401(k) management, income distribution strategies, and Social Security optimization. Comprehensive planning for individuals aged 40–70+ with assets starting at $100,000.
How to get started: Schedule a complimentary 45-minute consultation. Our advisors will review your current financial picture, clarify all fees and services, and outline a personalized plan with no obligation to proceed.
Free 45-minute initial consultation — no commitment required
Regulatory notice: All deposit products are FDIC-insured up to $250,000. Investment and wealth management products are not FDIC-insured, not bank-guaranteed, and may lose value. Loans subject to credit approval. coatsalbark is an Equal Housing Lender.
Banking Built for Coastal Communities. Rooted locally, focused on your financial future.
Contact Us
- 123 Harbor View Drive
Gulf Shore, AL 36542 - [email protected]
- +1 (251) 555-0182
FDIC Insured
Deposits insured up to $250,000
© 2026 coatsalbark. All rights reserved. Member FDIC.
Regulated by the Alabama State Banking Department