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First Bank Of Coastal Georgia
Pembroke, GA · FDIC Certificate #15580 · Chartered 01/0
Total assets
$215.72M
Total deposits
$189.69M
Total equity
$12.26M
Net loans
$70.71M
Branches (offices)
2
Net income (YTD)
$251.00K
Rank: #2,884 of 4,213 U.S. banks by assets · #86 of 123 in Georgia. Assets changed -4.4% and deposits -12.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.23% |
| Return on equity | 3.99% |
| Net interest margin (YTD) | 2.63% |
| Equity to assets | 5.68% |
| Tier 1 leverage ratio | 9.07% |
| Uninsured deposits (share of deposits) | 47.9% |
| Noncurrent loans (share of loans) | 0.35% |
| Net charge-offs (share of loans) | 0.06% |
| Loans to deposits | 37.3% |
| Real estate loans (share of loans) | 94.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $67.05M | 94.8% | |
| Commercial & industrial | $2.54M | 3.6% | |
| Consumer / individual | $1.99M | 2.8% | |
| Construction & development | $13.83M | 19.6% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $161.42M | $154.50M | $378.00K | $6.73M |
| Jun 2023 | $189.74M | $182.28M | $299.00K | $6.82M |
| Jun 2024 | $202.72M | $193.35M | $468.00K | $8.63M |
| Jun 2025 | $225.54M | $216.04M | $232.00K | $8.26M |
| Jun 2026 | $215.72M | $189.69M | $251.00K | $12.26M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $189.69M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $189.69M.
Similar-sized banks
Commercial Bank ($216.13M) · Farmers And Merchants Bank ($215.43M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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