Local banking with global standards. We combine the security of a trusted institution with the agility of a modern fintech—so you can focus on growth, not paperwork.
25+
Years Local
100%
FDIC Insured
24/7
Digital Access
From personal savings to commercial expansion, we provide the tools you need to navigate complex financial waters.
Commercial lending, treasury management, and merchant services tailored to the unique rhythm of your enterprise.
Strategic investment planning and trust services designed to preserve and grow your legacy for generations.
First-time homebuyer programs, refinancing, and jumbo loans. We make the path to your keys clear and simple.
Coastal Bank & Trust isn't just a building on Beal Parkway; we are a cornerstone of the Fort Walton Beach community. We believe that banking should be personal, transparent, and empowering.
Whether you're managing a local business or planning for retirement, our team provides the expertise you need with the personalized service you deserve.
Learn more about us100%
Community Focused
24/7
Secure Online Banking
50+
Local Experts
24hr
Loan Processing
Visit us at our Fort Walton Beach branch or reach out digitally. We're here to help you navigate your financial journey.
Headquarters
815 Beal Pkwy NW
Fort Walton Beach, 32547
Phone
(850) 729-5500
info@coastalbankandtrust.com
