South Coast Bank & Trust
Brunswick, GA · Cert 16283 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · WB&T Bankshares Inc.
State charter, non-member · FDIC · 2 affiliate banks · 2 branches (8 in holding)
Q2 2026
$269.8MAssets
$193.1MLoans
$239.4MDeposits
$22.4MEquity
Executive Summary
- Strongest standing: return on equity outperforms 78% of banks under $1B in assets operating in a single state (rank 165 of 746).
- Widest gap: total risk-based capital ratio trails 94% of banks under $1B in assets operating in a single state (rank 698 of 746).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.17%
Rank 310 of 746
Net Interest Margin
3.59%
Rank 407 of 746
Efficiency Ratio
61.23%
Rank 302 of 746
Equity / Assets
8.30%
Rank 625 of 746
Non-interest income vs. expense
Unfavorable gap of $5.7M · efficiency ratio beats 60% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.17% | 0.72% | 1.06% | 1.45% | Beats 58% | 310 / 746 | |
| Return on Equity | 14.14% | 6.74% | 10.51% | 13.63% | Beats 78% | 165 / 746 | |
| Net Interest Margin | 3.59% | 3.17% | 3.68% | 4.16% | Beats 45% | 407 / 746 | |
| Efficiency Ratio | 61.23% | 55.74% | 64.58% | 75.47% | Beats 60% | 302 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.49% | 0.09% | 0.42% | 1.07% | Beats 46% | 401 / 743 | |
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.01% | 0.05% | Beats 30% | 524 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 9.90% | 11.55% | 13.75% | 17.60% | Beats 7% | 696 / 746 | |
| Total Risk-Based Capital Ratio | 9.90% | 11.71% | 14.33% | 18.43% | Beats 6% | 698 / 746 | |
| Equity / Assets | 8.30% | 8.90% | 10.51% | 13.06% | Beats 16% | 625 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 80.66% | 61.31% | 78.27% | 90.78% | 55th pctl | 336 / 746 | |
| Loans / Assets | 71.58% | 53.60% | 66.97% | 76.08% | 61st pctl | 290 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |