First Bank of Coastal Georgia: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 1590.90 percentage points lower than in Q1 2026, at 378.66%. First Bank of Coastal Georgia has the 7th lowest return on assets of the 121 banks headquartered in Georgia, at 0.27% as of Q2 2026. Against a median of 1.25% for banks in the $100M-1B asset tier, First Bank of Coastal Georgia reported 0.27% on return on assets in Q2 2026, 0.98 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 18.69% |
| Tier 1 risk-based capital ratio | 18.69% |
| Total risk-based capital ratio | 19.66% |
| Tier 1 leverage ratio | 9.07% |
| Equity capital to assets | 5.68% |
| Tangible equity to tangible assets | 5.68% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.33% |
| Non-performing assets ratio | 0.11% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 1.91% |
| Allowance for credit losses to loans | 1.26% |
| Reserve coverage of non-performing loans | 378.66% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.27% |
| Return on equity | 4.79% |
| Net interest margin | 2.70% |
| Efficiency ratio | 90.03% |
| Yield on earning assets | 4.59% |
| Cost of funds | 2.05% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 37.75% |
| Core deposits to total deposits | 86.70% |
| Brokered deposits to total deposits | 12.65% |
| Deposits to assets | 87.93% |
| Securities to assets | 59.41% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 22.34% | 22.34% | 23.40% | 9.21% | 0.07% |
| Q4 2023 | 21.61% | 21.61% | 22.64% | 9.10% | 0.25% |
| Q1 2024 | 20.51% | 20.51% | 21.47% | 9.06% | 0.49% |
| Q2 2024 | 20.83% | 20.83% | 21.81% | 8.92% | 0.40% |
| Q3 2024 | 20.82% | 20.82% | 21.80% | 8.88% | 0.52% |
| Q4 2024 | 21.20% | 21.20% | 22.21% | 8.41% | 0.26% |
| Q1 2025 | 17.61% | 17.61% | 18.55% | 8.24% | 0.25% |
| Q2 2025 | 18.05% | 18.05% | 19.04% | 8.05% | 0.14% |
| Q3 2025 | 18.47% | 18.47% | 19.48% | 8.34% | 0.24% |
| Q4 2025 | 19.10% | 19.10% | 20.12% | 8.44% | 0.60% |
| Q1 2026 | 19.68% | 19.68% | 20.71% | 9.06% | 0.18% |
| Q2 2026 | 18.69% | 18.69% | 19.66% | 9.07% | 0.27% |
First Bank of Coastal Georgia vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Bank of Coastal Georgia, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Bank of Coastal Georgia profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15580) · FFIEC NIC profile (RSSD 823638)