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South Coast Bank & Trust

Brunswick, GA · Cert 16283 · 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
Loan mix
91%RE $178.2M8%C&I $15.6M1%Consumer $1.2MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $188.4M21%Noninterest $51.1MQ2 2025Q2 2026

NIM

5.60%Q2 ’245.55%Q2 ’255.54%Q2 ’26+10%+3%

Non-interest income vs. expense

2.21%Q2 ’242.35%Q2 ’252.43%Q2 ’26+8%+2%

Market Position · Brunswick-St. Simons, GA · 2026 SOD (annual) · 7.1% share · #9 of 14 inst. · $0.2B of $3.4B

Executive Summary

  • Earnings: ROA of 1.18%, up 16 bps year over year; NIM at 3.62%.
  • Asset quality: problem loans at 0.49% of loans (+6 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.90%, up 52 bps from a year ago.
  • Funding: loans stand at 80.66% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.18%+16 bps YoY

Net Interest Margin (quarter, annualized)

3.62%+12 bps YoY

Efficiency Ratio (quarter, annualized)

61.84%-32 bps YoY

Tier 1 Leverage Ratio

9.90%+52 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.02%1.03%1.15%1.18%1.18%+16 bps
Return on Equity13.70%13.46%14.48%14.69%14.36%+67 bps
Net Interest Margin3.50%3.68%3.78%3.63%3.62%+12 bps
Efficiency Ratio62.16%61.61%60.07%60.61%61.84%-32 bps
Non-Interest Burden2.07%2.14%2.16%2.07%2.12%+5 bps
Growth
Asset Growth (YoY)6.36%9.54%11.04%6.20%1.87%-450 bps
Loan Growth (YoY)2.13%9.74%5.17%5.16%7.02%+489 bps
Deposit Growth (YoY)4.80%9.53%10.53%5.67%0.43%-437 bps
Asset Quality
Nonperforming Loans / Loans0.43%0.22%0.03%0.49%0.49%+6 bps
Net Charge-Offs / Loans0.22%0.00%0.02%0.15%0.00%-22 bps
Allowance / Loans1.58%1.59%1.61%1.58%1.61%+3 bps
Allowance Coverage of NPLs3.7x7.2x50.3x3.2x3.3x-0.4x
Capital
Tier 1 Leverage Ratio9.39%9.61%9.41%9.86%9.90%+52 bps
Total Risk-Based Capital9.39%9.61%9.41%9.86%9.90%+52 bps
Equity / Assets7.35%7.99%7.95%8.17%8.30%+95 bps
Liquidity & Funding
Loans / Deposits75.70%79.51%82.25%81.43%80.66%+497 bps
Liquid Assets / Assets15.28%11.58%9.01%9.62%9.86%-542 bps
CRE / Total Capitaln/a430%436%414%n/an/a