First Bank of Coastal Georgia: how it compares with its peers
Against 64 GA banks with half to twice its assets, First Bank of Coastal Georgia's strongest measure in Q2 2026 is assets per employee ($7.4M vs. a $6.5M peer median). Its weakest relative measure is efficiency ratio (92.90% vs. 59.94%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.23% | 1.53% | Bottom third Ahead of 3% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.63% | 4.65% | Bottom third Ahead of 5% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 92.90% | 59.94% | Bottom third Ahead of 2% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.4M | $6.5M | Middle third Ahead of 64% of peers |
| Loans to deposits Net loans and leases over total deposits. | 37.27% | 77.25% | Context |
What it means for lending operations
Its efficiency ratio of 92.90% is above the 59.94% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Mount Vernon Bank Mount Vernon, GA · $218M
- Vidalia Federal Savings Bank Vidalia, GA · $212M
- Citizens Community Bank Hahira, GA · $222M
- Legacy State Bank Loganville, GA · $206M
- Embassy National Bank Lawrenceville, GA · $228M
- The First National Bank of Waynesboro Waynesboro, GA · $229M
Questions about First Bank of Coastal Georgia
How big is First Bank of Coastal Georgia?
First Bank of Coastal Georgia, established in 1907, is headquartered in Pembroke, GA. It reported $216M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is First Bank of Coastal Georgia's return on assets?
0.23% annualized in Q2 2026, against a 1.53% median for 64 GA banks with half to twice its assets, ahead of 3% of them.
What is First Bank of Coastal Georgia's efficiency ratio?
92.90% in Q2 2026: it spent about 93 cents in noninterest expense for each dollar of revenue. The peer median is 59.94%, and lower is better.
Is First Bank of Coastal Georgia growing its loans?
Net loans grew 12.1% over the year to Q2 2026, while deposits shrank 12.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are GA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Georgia bank ranked.