South Coast Bank & Trust: 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.
Reserve coverage of non-performing loans climbed 7.31 percentage points in Q2 2026, from 320.25% to 327.56%. It was the largest change from Q1 2026 among the key lines here. Within Georgia, South Coast Bank & Trust is 71st of 121 on return on assets, 1.47% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. South Coast Bank & Trust sits 0.22 points higher, at 1.47% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.90% |
| Equity capital to assets | 8.30% |
| Tangible equity to tangible assets | 8.30% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.49% |
| Non-performing assets ratio | 0.35% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 3.71% |
| Allowance for credit losses to loans | 1.61% |
| Reserve coverage of non-performing loans | 327.56% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.47% |
| Return on equity | 18.30% |
| Net interest margin | 3.73% |
| Efficiency ratio | 61.82% |
| Yield on earning assets | 5.70% |
| Cost of funds | 2.14% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.66% |
| Core deposits to total deposits | 92.73% |
| Brokered deposits to total deposits | 9.11% |
| Deposits to assets | 88.74% |
| Securities to assets | 14.94% |
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 | 12.74% | 12.74% | 13.99% | 9.20% | 1.31% |
| Q4 2023 | 12.44% | 12.44% | 13.70% | 8.98% | 0.66% |
| Q1 2024 | 11.60% | 11.60% | 12.86% | 8.98% | 0.70% |
| Q2 2024 | 11.73% | 11.73% | 12.99% | 8.64% | 0.99% |
| Q3 2024 | 13.55% | 13.55% | 14.80% | 9.50% | 0.94% |
| Q4 2024 | — | — | — | 9.72% | 0.80% |
| Q1 2025 | — | — | — | 9.49% | 1.20% |
| Q2 2025 | — | — | — | 9.39% | 1.26% |
| Q3 2025 | — | — | — | 9.61% | 1.30% |
| Q4 2025 | — | — | — | 9.41% | 1.43% |
| Q1 2026 | — | — | — | 9.86% | 1.49% |
| Q2 2026 | — | — | — | 9.90% | 1.47% |
South Coast Bank & Trust vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock South Coast Bank & Trust, 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 South Coast Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16283) · FFIEC NIC profile (RSSD 706030)