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South Coast Bank & Trust
Brunswick, GA · FDIC Certificate #16283 · Chartered 01/0
Total assets
$269.83M
Total deposits
$239.45M
Total equity
$22.39M
Net loans
$190.04M
Branches (offices)
2
Net income (YTD)
$2.02M
Rank: #2,609 of 4,213 U.S. banks by assets · #73 of 123 in Georgia. Assets changed 1.9% and deposits 0.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.51% |
| Return on equity | 18.52% |
| Net interest margin (YTD) | 3.87% |
| Equity to assets | 8.30% |
| Tier 1 leverage ratio | 9.90% |
| Uninsured deposits (share of deposits) | 21.4% |
| Noncurrent loans (share of loans) | 0.49% |
| Net charge-offs (share of loans) | 0.08% |
| Loans to deposits | 79.4% |
| Real estate loans (share of loans) | 92.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $174.98M | 92.1% | |
| Commercial & industrial | $17.15M | 9.0% | |
| Consumer / individual | $1.25M | 0.7% | |
| Construction & development | $19.12M | 10.1% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $203.13M | $190.34M | $1.58M | $12.48M |
| Jun 2023 | $211.69M | $194.25M | $1.30M | $13.41M |
| Jun 2024 | $249.04M | $227.51M | $981.00K | $14.52M |
| Jun 2025 | $264.88M | $238.43M | $1.62M | $19.47M |
| Jun 2026 | $269.83M | $239.45M | $2.02M | $22.39M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $239.45M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $239.45M.
Similar-sized banks
Mediapolis Savings Bank ($269.86M) · Farmers And Merchants Bank ($269.79M)
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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