South Coast Bank & Trust
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Data as of · sourced from FFIEC call reports. How we update
South Coast Bank & Trust is an FDIC-insured commercial bank headquartered in Brunswick, GA, established in 1934 (FDIC certificate 16283), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $269.8M, up 1.9% from Q2 2025, the 72nd largest of 121 banks headquartered in Georgia. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.90% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 16283
- Headquarters
- Brunswick, GA
- Established
- 1934
- Total assets, Q2 2026
- $269.8M
- Assets vs Q2 2025
- +1.9%
- Tier 1 leverage ratio, Q2 2026
- 9.90%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 061221310
- Latest call report
- Q2 2026, FFIEC 051 · South Coast Bank & Trust call report
- Holding company
- WB&T BANKSHARES, INC.
- Asset rank in state
- 72nd of 121 in Georgia
Problem loans are falling at South Coast Bank & Trust. It reported $270 million in assets at June 30, 2026, up 1.9% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, fell to 0.06% of loans from 0.43% a year earlier. It returns 18.3% a year on shareholders' equity, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 12.5%). It also carries problem assets equal to 0.4% of the capital and reserves that would absorb them, a small fraction of the median of 2.6% for banks its size.
Delinquency has appeared in its $32 million non-owner-occupied commercial real estate book: 2.51% of those loans are past due or on nonaccrual, against almost none a year earlier. Loans are outrunning deposits: over the year loans rose 7.0% and deposits rose 0.4%.
As of June 30, 2026, South Coast Bank & Trust reported a return on assets of 1.47%, a nonperforming-loan ratio of 0.49% and a Texas ratio of 0.43%. The figures come from its call report filed with the FFIEC.
Of the 121 banks headquartered in Georgia, South Coast Bank & Trust is the 72nd largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.6% to $269.8M, loans fell 0.8% and deposits rose 0.1%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 35.2% of total loans, followed by owner-occupied commercial real estate loans at 27.1%. Its 2 offices in the FDIC Summary of Deposits are in Brunswick, GA and Saint Simons Island, GA; its Brunswick office books 76% of its branch deposits. On its Q2 2026 call report, South Coast Bank & Trust meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1500 Newcastle St, Brunswick, GA 31520
- County
- Glynn
- Metro Area
- Brunswick-St. Simons, GA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1934
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 27
- Domestic deposits
- $239.4M
- Allowance for credit losses
- $3.1M
- Net charge-offs (YTD)
- $73K
- Average total assets
- $275.0M
- Average total loans
- $196.7M
- Average interest-bearing deposits
- $190.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 5, 1945
- FDIC Cert
- 16283
- Fed RSSD
- 706030
- SEC CIK
- 855354 → filed by WB&T BANKSHARES, INC.
- Website
- www.southcoast.bank →
- Parent Holding Company
- WB&T BANKSHARES, INC. (RSSD 1493636)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, South Coast Bank & Trust reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
South Coast Bank & Trust's total assets moved between a low of $210.4M (Q3 2023) and a high of $269.8M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$269.8M total assets against $264.9M; $247.4M total liabilities against $245.4M.
$190.0M net loans and leases against $177.6M; $239.4M total deposits against $238.4M.
$40.3M securities against $34.1M; $30.7M cash and balances due against $44.9M.
$3.8M total interest income against $3.7M; $1.3M total interest expense against $1.4M.
$2.5M net interest income against $2.3M.
$212K total noninterest income against $184K; $1.7M total noninterest expense against $1.6M.
$18K provision for credit losses against $115K.
$1.0M net income against $840K.
1.47% return on assets against 1.26%; 3.73% net interest margin against 3.62%.
9.90% tier 1 leverage ratio against 9.39%.
Inside the full South Coast Bank & Trust terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeSouth Coast Bank & Trust rankings
Its closest position to the top of a national ranking is 1,363 of 3,611, for ROA; its furthest is 3,005 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.80% (Q4 2024) to 1.49% (Q1 2026) and its net interest margin ran from 3.15% (Q3 2024) to 3.91% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.90% | 1.47% | 0.49% | 0.43% | 3.73% |
| Q1 2026 | 9.86% | 1.49% | 0.49% | 0.44% | 3.69% |
| Q4 2025 | 9.41% | 1.43% | 0.03% | 0.26% | 3.91% |
| Q3 2025 | 9.61% | 1.30% | 0.22% | 1.71% | 3.79% |
| Q2 2025 | 9.39% | 1.26% | 0.43% | 3.48% | 3.62% |
| Q1 2025 | 9.49% | 1.20% | 0.44% | 3.67% | 3.44% |
| Q4 2024 | 9.72% | 0.80% | 0.22% | 2.01% | 3.40% |
| Q3 2024 | 9.50% | 0.94% | 0.28% | 2.22% | 3.15% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| South Coast Bank & Trust (main office) | Brunswick , GA | 31520 | $181.5M |
| Midway Branch | Saint Simons Island , GA | 31522 | $57.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in GA, rank 102 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 66 applications, 55 loans originated, $17.1M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $3.2M approved, $3.2M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about South Coast Bank & Trust
What are South Coast Bank & Trust's total assets?
As of the Q2 2026 filing, South Coast Bank & Trust reported total assets of $269.8 million in its FFIEC call report.
Where is South Coast Bank & Trust headquartered?
It is headquartered in Brunswick, GA, United States.
When was South Coast Bank & Trust founded?
It was established in 1934, per the FDIC institution directory.
Is South Coast Bank & Trust FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16283). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates South Coast Bank & Trust?
South Coast Bank & Trust's primary federal regulator is the FDIC.
How many branches does South Coast Bank & Trust operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is South Coast Bank & Trust's Texas Ratio?
Its Texas Ratio is 0.43% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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