South Coast Bank & Trust: how it compares with its peers
Against 71 GA banks with half to twice its assets, South Coast Bank & Trust's strongest measure in Q2 2026 is assets per employee ($10.0M vs. a $6.7M peer median). Its weakest relative measure is net interest margin (3.87% vs. 4.52%).
| Measure | South Coast Bank & Trust | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.51% | 1.56% | Middle third Ahead of 45% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.87% | 4.52% | Bottom third Ahead of 21% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 61.23% | 59.19% | Middle third Ahead of 37% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.0M | $6.7M | Top third Ahead of 89% of peers |
| Loans to deposits Net loans and leases over total deposits. | 79.37% | 77.83% | Context |
What it means for lending operations
Its efficiency ratio of 61.23% is above the 59.19% 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
- The Peoples Bank Eatonton, GA · $270M
- South Georgia Bank Glennville, GA · $270M
- Community Bank of Georgia Baxley, GA · $269M
- AB&T Albany, GA · $261M
- First Federal Savings and Loan Association of Valdosta Valdosta, GA · $278M
- The Peoples Bank of Georgia Talbotton, GA · $252M
Questions about South Coast Bank & Trust
How big is South Coast Bank & Trust?
South Coast Bank & Trust, established in 1934, is headquartered in Brunswick, GA. It reported $270M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is South Coast Bank & Trust's return on assets?
1.51% annualized in Q2 2026, against a 1.56% median for 71 GA banks with half to twice its assets, ahead of 45% of them.
What is South Coast Bank & Trust's efficiency ratio?
61.23% in Q2 2026: it spent about 61 cents in noninterest expense for each dollar of revenue. The peer median is 59.19%, and lower is better.
Is South Coast Bank & Trust growing its loans?
Net loans grew 7.0% over the year to Q2 2026, while deposits grew 0.4%.
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.