SOUTH COAST BANK & TRUST

BRUNSWICK, GA | Small | Est. Jan. 1, 1934, midnight | FDIC #16283 | RSSD #706030 | FDIC
Latest Report: 2025-12-31

SOUTH COAST BANK & TRUST is asn small FDIC-insured commercial bank headquartered in BRUNSWICK, GA, established in Jan. 1, 1934, midnight. As of 2025-12-31, the bank reported total assets of $265M and total deposits of $236M. Profitability stands at 1.46% ROA and 18.35% ROE, with a net interest margin of 4.20%. The bank's CET1 capital ratio is 7.95%. Asset quality metrics show a non-performing loan ratio of 0.03% and a Texas Ratio of 0.26%. FDIC Certificate #16283.

Assets

$265M

Deposits

$236M

Loans

$194M

Equity

$21M

Profitability

Return on Assets (ROA) 1.46%
Return on Equity (ROE) 18.35%
Net Interest Margin (NIM) 4.20%
Yield on Assets 6.39%
Cost of Funds 2.20%

Asset Quality

NPL Ratio 0.03%
Net Charge-Off Ratio 0.06%
Texas Ratio 0.26%
NPA Ratio 0.02%
ACL / Loans 1.61%

Capital & Liquidity

CET1 Ratio 7.95%
Tier 1 Capital 7.95%
Total Capital Ratio 8.35%
Leverage Ratio 9.41%
Loan-to-Deposit 82.25%

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