Total Assets
$265M
Total balance-sheet footings
FDIC Cert #16283 · Brunswick, Georgia · Est. 1934
South Coast Bank & Trust - FDIC Bank Health Profile
A community-scale look at South Coast Bank & Trust's own numbers, pulled straight from its quarterly FDIC Call Report.
- $265M
- Total assets
- B
- Health grade · Good
- 1.34%
- Return on assets
- 9.4%
- Tier 1 capital
Data updated July 2026
The verdict
South Coast Bank & Trust earns a PlainBankData health grade of B (66/100), with 9.41% Tier 1 capital, profitable at 1.34% ROA, 61% efficiency ratio.
- #2,673
- largest of 4,313 FDIC banks by assets
- 38th
- percentile by asset size, nationally
- 9.41%
- Tier 1 ratio - below the 10% well-capitalized line
- 66th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How South Coast Bank & Trust's 66/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
South Coast Bank & Trust's composite health score
Tier 1 Capital Ratio (9.41%) 18/40
Return on Assets (ROA) (1.34%) 20/25
Texas Ratio (0.26%) 20/20
Efficiency Ratio (61.44%) 8/15
66 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$236M
Customer-funded liabilities
Net Loans
$191M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where South Coast Bank & Trust ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. South Coast Bank & Trust's score of 66/100 falls in the highlighted band.
South Coast Bank & Trust'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). South Coast Bank & Trust's $265M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.41% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.41%
Texas Ratio
0.26%
Equity Capital
$21M
Profitability metrics
Return on Assets (ROA)
66th percentile nationally
1.34%
Return on Equity (ROE)
17.54%
Efficiency Ratio
61.44%
What the numbers say about South Coast Bank & Trust
South Coast Bank & Trust is an FDIC-insured institution (Certificate #16283) headquartered in Brunswick, Georgia, established in 1934. It holds $265M in total assets - 2,673rd of 4,313 FDIC-insured banks, $236M in customer deposits, and $191M in net loans. Its capital position: a Tier 1 ratio of 9.41%, missing the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.26% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (66 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
South Coast Bank & Trust sits 80th of 129 banks headquartered in Georgia by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$15M
Interest Income
$927K
Non-Interest Income
$6M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. South Coast Bank & Trust reports a Texas Ratio of 0.26% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.26% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Georgia by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) South Coast Bank & Trust (FDIC Cert #16283) - 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.
Other banks in Georgia
All Georgia banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is South Coast Bank & Trust's health grade?▼
South Coast Bank & Trust receives a health grade of B (66/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is South Coast Bank & Trust?▼
South Coast Bank & Trust holds $265M in total assets and $236M in deposits, ranking 2,673rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Brunswick, Georgia.
Is my money safe at South Coast Bank & Trust?▼
Yes, deposits at South Coast Bank & Trust (Certificate #16283) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is South Coast Bank & Trust's Tier 1 Capital Ratio?▼
South Coast Bank & Trust has a Tier 1 Capital Ratio of 9.41%. Regulators set the "well-capitalized" bar at 10%; this bank still clears the lower 6% "adequately capitalized" minimum.
What is the Texas Ratio for South Coast Bank & Trust?▼
South Coast Bank & Trust has a Texas Ratio of 0.26%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is South Coast Bank & Trust?▼
South Coast Bank & Trust has an Efficiency Ratio of 61.44%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read South Coast Bank & Trust's profile as a depositor or analyst.
- South Coast Bank & Trust's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare South Coast Bank & Trust against other Georgia banks before moving funds. Georgia banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.