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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 16283 · GA B · 66/100

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

  • GRADE-B B (66/100)
  • LOWER-Q #3448/4307
  • PHOTO-FINISH Marquette Bank · IL
  • TIER1-ADEQ 9.4% Tier 1
  • TEXAS-CLEAN 0.3% Texas
  • ROA-STRONG 1.34% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Georgia: Marquette Bank, IL (±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 South Coast Bank & Trust

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

Morgan Stanley Bank,… · UT ·…100/100Butte State Bank · NE · near66/100Marquette Bank · IL · near66/100Nebraska Bank · NE · near66/100South Coast Bank & T… · GA ·…66/100The Farmers & Mercha… · AR ·…66/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around South Coast Bank & Trust · July 2026

Call Report read for South Coast Bank & Trust in a high-failure state

South Coast Bank & Trust (FDIC Cert #16283) carries a PlainBankData health grade of B at 66/100, 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 #3,448 of 4,307. Tier 1 capital prints at 9.41%, missing the 10% well-capitalized line. The Texas Ratio is 0.26%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.34%. Balance-sheet scale is $265M, 2,673rd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Marquette Bank (IL), 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 South Coast Bank & Trust

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

South Coast Bank & Trust 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 South Coast Bank & Trust'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 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.

0/100100/100National avg77/10066/100
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 Assets

$265M

Total balance-sheet footings

Total Deposits

$236M

Customer-funded liabilities

Net Loans

$191M

Outstanding loan book

Net Income

$3M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.01% 9.41% 10.81%
Basel III capital ratios - South Coast Bank & Trust

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

66 20th percentile higher than 20% 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. South Coast Bank & Trust 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

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.

Capital & credit buffers at South Coast Bank & Trust

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

What these ratios mean →

Earnings posture at South Coast Bank & Trust

Return on Assets (ROA)
66th percentile nationally
1.34%
Return on Equity (ROE)
17.54%
Efficiency Ratio
61.44%

What these mean →

Income & expense at South Coast Bank & Trust

$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.

FDIC Failed Bank List → View South Coast Bank & Trust 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 ($265M here), outside Georgia so the neighborhood is not state containment.

Logansport Savings Bank $265M · IN 1st National Bank $265M · OH Community First Bank of the Heartland $265M · IL PeopleFirst Bank $264M · IL

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.

South Coast Bank & Trust 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%