South Coast Bank & Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks South Coast Bank & Trust of Brunswick, GA against its peer group of 2603 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 | 1.47% | 1.34% | +0.13% | 62nd above |
| ROAE | 18.30% | 13.32% | +4.98% | 81st top |
| Net Interest Margin | 3.73% | 3.93% | -0.20% | 38th below |
| Efficiency Ratio | 61.82% | 61.13% | +0.69% | 49th below |
| PPNR / Avg Assets | 1.50% | 1.68% | -0.18% | 44th below |
| Yield on Earning Assets | 5.70% | 5.67% | +0.03% | 55th above |
| Cost of Funds | 2.14% | 1.88% | +0.26% | 29th below |
| Net Interest Spread | 3.01% | 3.32% | -0.31% | 33rd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.49% | 0.94% | -0.45% | 46th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.35% | 0.70% | -0.35% | 47th below |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.61% | 1.28% | +0.33% | 84th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 327.56% | 1546.47% | -1218.91% | 62nd above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.71% | 7.34% | -3.63% | 48th below |
| Provision / NCO | 72.60% | 1395.39% | -1322.79% | 33rd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.90% | 12.14% | -2.24% | 29th below |
| Equity / Assets | 8.30% | 11.37% | -3.07% | 17th bottom |
| TCE / Tangible Assets | 8.30% | 11.08% | -2.78% | 20th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 80.66% | 80.66% | +0.00% | 50th above |
| Core Deposit Ratio | 92.73% | 86.85% | +5.88% | 72nd above |
| Wholesale Funding Ratio | 2.22% | 5.04% | -2.82% | 64th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.87% | 6.84% | -4.97% | 32nd below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.02% | 7.92% | -0.90% | 60th above |
| Deposit Growth (Y/Y) | 0.43% | 6.29% | -5.86% | 25th below |
See South Coast Bank & Trust's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock South Coast Bank & Trust, 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 South Coast Bank & Trust profile, how to read a UBPR, or how this data updates.