Tern Bank is a naturally accreting sandbar extending from the Safety Bay Foreshore. It got its name from the Fairy Terns which nest on the bank, typically in the warmer months of November and December.

Fairy Tern feeding on Tern Bank
Sediment sources for the formation of Tern Bank are still uncertain with limited studies conducted on the potential sediment transport pathways.
The sandbar typically experiences rapid growth over the winter months with prevailing north to northwesterly winds, and remains relatively stable over the summer period with the prevailing southeasterly wind.
Tern Bank falls within the Shoalwater Islands Marine Park and is managed by the Department of Biodiversity, Conservation and Attractions (DBCA). Under an agreement between the City and the DBCA, the City manages the body of water between Tern Bank and the Safety Bay Foreshore (the Pond) and the Bent Street boat ramp navigation channel footprint.