First Bank of Coastal Georgia: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Bank of Coastal Georgia of Pembroke, GA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.27% | 1.34% | -1.07% | 8th bottom |
| ROAE | 4.79% | 13.32% | -8.53% | 14th bottom |
| Net Interest Margin | 2.70% | 3.93% | -1.23% | 5th bottom |
| Efficiency Ratio | 90.03% | 61.13% | +28.90% | 6th bottom |
| PPNR / Avg Assets | 0.15% | 1.68% | -1.53% | 4th bottom |
| Yield on Earning Assets | 4.59% | 5.67% | -1.08% | 10th bottom |
| Cost of Funds | 2.05% | 1.88% | +0.17% | 34th below |
| Net Interest Spread | 2.13% | 3.32% | -1.19% | 6th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.33% | 0.94% | -0.61% | 55th above |
| NPA / Total Assets | 0.11% | 0.70% | -0.59% | 68th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 44th below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.26% | 1.28% | -0.02% | 57th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 378.66% | 1538.94% | -1160.28% | 65th above |
| Texas Ratio | 1.91% | 7.33% | -5.42% | 63rd above |
| Provision / NCO | 0.00% | 1395.93% | -1395.93% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 18.69% | 19.50% | -0.81% | 73rd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 18.69% | 19.54% | -0.85% | 73rd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 19.66% | 20.62% | -0.96% | 72nd above |
| Leverage Ratio | 9.07% | 12.14% | -3.07% | 13th bottom |
| Equity / Assets | 5.68% | 11.38% | -5.70% | 2nd bottom |
| TCE / Tangible Assets | 5.68% | 11.09% | -5.41% | 2nd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 37.75% | 80.65% | -42.90% | 96th top |
| Core Deposit Ratio | 86.70% | 86.86% | -0.16% | 37th below |
| Wholesale Funding Ratio | 6.03% | 5.03% | +1.00% | 31st below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -4.35% | 6.85% | -11.20% | 6th bottom |
| Loan Growth (Y/Y) | 11.85% | 7.90% | +3.95% | 79th top |
| Deposit Growth (Y/Y) | -12.20% | 6.29% | -18.49% | 1st bottom |
See First Bank of Coastal Georgia's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Bank of Coastal Georgia, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Bank of Coastal Georgia profile, how to read a UBPR, or how this data updates.