FDIC Cert #15580 · Pembroke, Georgia · Est. 1907

First Bank of Coastal Georgia - FDIC Bank Health Profile

A community-scale look at First Bank of Coastal Georgia's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$221M
Total assets
B
Health grade · Good
0.32%
Return on assets
19.1%
Tier 1 capital

Data updated July 2026

The verdict

First Bank of Coastal Georgia earns a PlainBankData health grade of B (67/100), with well-capitalized at 19.10% Tier 1, 0.32% ROA, 87% efficiency ratio.

#2,889
largest of 4,313 FDIC banks by assets
33rd
percentile by asset size, nationally
19.10%
Tier 1 ratio - above the 10% well-capitalized line
10th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 15580 · GA B · 67/100

GRADE-B · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-B B (67/100)
  • LOWER-Q #3239/4307
  • PHOTO-FINISH The Lytle State Bank… · TX
  • TIER1-WELL 19.1% Tier 1
  • TEXAS-CLEAN 0.2% Texas
  • ROA-THIN 0.32% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Georgia: The Lytle State Bank of Lytle, Texas, TX (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around First Bank of Coastal Georgia

Lowest and highest poles plus nearest scored peers outside Georgia, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100First Bank of Coasta… · GA ·…67/100Genesis Bank · MS · near67/100Spur Security Bank · TX · ne…67/100The Lytle State Bank… · TX ·…67/100The Union Banking Co… · OH ·…67/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First Bank of Coastal Georgia · July 2026

Call Report read for First Bank of Coastal Georgia in a high-failure state

First Bank of Coastal Georgia (FDIC Cert #15580) carries a PlainBankData health grade of B at 67/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,239 of 4,307. Tier 1 capital prints at 19.10%, clearing the 10% well-capitalized line. The Texas Ratio is 0.18%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.32%. Balance-sheet scale is $221M, 2,889th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The Lytle State Bank of Lytle, Texas (TX), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around First Bank of Coastal Georgia

94 FAILURE resolutions in Georgia since 2000, heavy vs the state corpus

First Bank of Coastal Georgia sits in one of the heavier post-2000 FAILURE states (94 resolutions; latest year 2016). The list below is state history from the Failed Bank List, not a claim about First Bank of Coastal Georgia's current Call Report.

  • THE WOODBURY BANKING COMPANY WOODBURY, GA 2016 → UNITED BANK
  • CAPITOL CITY BANK & TRUST COMPANY ATLANTA, GA 2015 → FIRST-CITIZENS BANK & TRUST COMPANY
  • THE BANK OF GEORGIA PEACHTREE CITY, GA 2015 → FIDELITY BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Georgia banks.

How First Bank of Coastal Georgia's 67/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10067/100
First Bank of Coastal Georgia's composite health score
Tier 1 Capital Ratio (19.10%) 40/40
Return on Assets (ROA) (0.32%) 7/25
Texas Ratio (0.18%) 20/20
Efficiency Ratio (86.54%) 0/15

67 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$221M

Total balance-sheet footings

Total Deposits

$198M

Customer-funded liabilities

Net Loans

$64M

Outstanding loan book

Net Income

$726K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 17.7% 19.1% 20.5%
Basel III capital ratios - First Bank of Coastal Georgia

Where First Bank of Coastal Georgia ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Bank of Coastal Georgia's score of 67/100 falls in the highlighted band.

First Bank of Coastal Georgia: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

67 25th percentile higher than 25% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. First Bank of Coastal Georgia 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

First Bank of Coastal Georgia's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First Bank of Coastal Georgia's $221M falls in the highlighted band.

Capital & credit buffers at First Bank of Coastal Georgia

Tier 1 capital ratio
Well-capitalized 10%

19.10% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
19.10%
Texas Ratio
0.18%
Equity Capital
$13M

What these ratios mean →

Profitability metrics: First Bank of Coastal Georgia

Return on Assets (ROA)
10th percentile nationally
0.32%
Return on Equity (ROE)
7.21%
Efficiency Ratio
86.54%

What these mean →

Income & expense at First Bank of Coastal Georgia

$10M
Interest Income
$253K
Non-Interest Income
$4M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. First Bank of Coastal Georgia reports a Texas Ratio of 0.18% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.18% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View First Bank of Coastal Georgia on FDIC BankFind →

Top banks in Georgia by total assets

Largest banks headquartered in Georgia
  1. 1
    Ameris Bank $27.4B

    Atlanta, GA · Grade A

  2. 2
    RBC Bank, (Georgia) $8.0B

    Atlanta, GA · Grade A

  3. 3
    Metro City Bank $4.7B

    Doraville, GA · Grade A

  4. 4
    Colony Bank $3.7B

    Fitzgerald, GA · Grade B

  5. 5
    Georgia Banking Company $2.7B

    Atlanta, GA · Grade B

Top 5 banks in Georgia ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($221M here), outside Georgia so the neighborhood is not state containment.

Crossbridge Community Bank $221M · WI The Citizens Bank $221M · KY Merchants State Bank $222M · SD Alpine Capital Bank $222M · NY

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Bank of Coastal Georgia (FDIC Cert #15580) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

First Bank of Coastal Georgia Call Report profile · FDIC Failed Bank List · Georgia FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Georgia

All Georgia banks →
BankAssetsGradeROA
Ameris BankAtlanta $27.4B A 1.64%
RBC Bank, (Georgia) National AssociationAtlanta $8.0B A 2.48%
Metro City BankDoraville $4.7B A 1.79%
Colony BankFitzgerald $3.7B B 0.92%
Georgia Banking CompanyAtlanta $2.7B B 0.96%
United BankZebulon $2.3B A 2.66%
Pinnacle BankElberton $2.3B B 1.29%
Queensborough National Bank & Trust CompanyLouisville $2.2B A 1.05%