FIRST BANK OF COASTAL GEORGIA

PEMBROKE, GA | Small | Est. Jan. 1, 1907, midnight | FDIC #15580 | RSSD #823638 | FDIC
Latest Report: 2025-12-31

FIRST BANK OF COASTAL GEORGIA is asn small FDIC-insured commercial bank headquartered in PEMBROKE, GA, established in Jan. 1, 1907, midnight. As of 2025-12-31, the bank reported total assets of $221M and total deposits of $198M. Profitability stands at 0.64% ROA and 11.81% ROE, with a net interest margin of 2.58%. The bank's CET1 capital ratio is 19.10%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.02% and a Texas Ratio of 0.10%. FDIC Certificate #15580.

Assets

$221M

Deposits

$198M

Loans

$65M

Equity

$13M

Profitability

Return on Assets (ROA) 0.64%
Return on Equity (ROE) 11.81%
Net Interest Margin (NIM) 2.58%
Yield on Assets 4.84%
Cost of Funds 2.21%

Asset Quality

NPL Ratio 0.02%
Net Charge-Off Ratio -0.21%
Texas Ratio 0.10%
NPA Ratio 0.01%
ACL / Loans 1.42%

Capital & Liquidity

CET1 Ratio 19.10%
Tier 1 Capital 19.10%
Total Capital Ratio 20.12%
Leverage Ratio 8.44%
Loan-to-Deposit 33.02%

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