Headquartered in Pembroke, Georgia, First Bank of Coastal Georgia is a state-chartered bank with $215.7M in total assets and $189.7M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1907.
First Bank of Coastal Georgia has a TellerScore of 59 out of 100 (moderate) based on Q2 2026 data — higher than only 17% of its 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 111th. Problem-loan coverage contributes the most (96/100, 1.9%); earnings contributes the least (29/100, 0.23%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (59 → 59).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 62 |
| Q3 2024 | 63 |
| Q4 2024 | 61 |
| Q1 2025 | 58 |
| Q2 2025 | 59 |
| Q3 2025 | 61 |
| Q4 2025 | 61 |
| Q1 2026 | 61 |
| Q2 2026 | 59 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.92% |
| Q3 2024 | 8.87% |
| Q4 2024 | 8.41% |
| Q1 2025 | 8.24% |
| Q2 2025 | 8.05% |
| Q3 2025 | 8.34% |
| Q4 2025 | 8.44% |
| Q1 2026 | 9.06% |
| Q2 2026 | 9.07% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.01% |
| Q1 2025 | 0.20% |
| Q2 2025 | 0.02% |
| Q3 2025 | 0.02% |
| Q4 2025 | 0.04% |
| Q1 2026 | 0.09% |
| Q2 2026 | 0.35% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.47% |
| Q3 2024 | 0.49% |
| Q4 2024 | 0.43% |
| Q1 2025 | 0.26% |
| Q2 2025 | 0.20% |
| Q3 2025 | 0.22% |
| Q4 2025 | 0.32% |
| Q1 2026 | 0.19% |
| Q2 2026 | 0.23% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 59 | $215.7M | 9.07% | 0.35% | 0.23% | 37.3% |
| Q1 2026 | 61 | $210.2M | 9.06% | 0.09% | 0.19% | 37.2% |
| Q4 2025 | 61 | $221.4M | 8.44% | 0.04% | 0.32% | 32.6% |
| Q3 2025 | 61 | $218.6M | 8.34% | 0.02% | 0.22% | 32.2% |
| Q2 2025 | 59 | $225.5M | 8.05% | 0.02% | 0.20% | 29.2% |
| Q1 2025 | 58 | $230.8M | 8.24% | 0.20% | 0.26% | 30.4% |
| Q4 2024 | 61 | $223.7M | 8.41% | 0.01% | 0.43% | 22.0% |
| Q3 2024 | 63 | $226.9M | 8.87% | 0.00% | 0.49% | 25.9% |
| Q2 2024 | 62 | $202.7M | 8.92% | 0.00% | 0.47% | 25.1% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Georgia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Mount Vernon BankBank Mount Vernon, GA | 71 out of 100, Strong | $217.6M | 10.3% | 0.64% | vs |
| Vidalia Federal Savings BankBank Vidalia, GA | 64 out of 100, Moderate | $212.0M | 12.0% | 0.79% | vs |
| Citizens Community BankBank Hahira, GA | 67 out of 100, Moderate | $221.9M | 8.9% | 0.89% | vs |
| Legacy State BankBank Loganville, GA | 75 out of 100, Strong | $205.9M | 12.1% | 0.05% | vs |
| Embassy National BankBank Lawrenceville, GA | 74 out of 100, Strong | $227.9M | 11.0% | 0.00% | vs |
| The First National Bank of WaynesboroBank Waynesboro, GA | 94 out of 100, Very strong | $229.1M | 19.1% | 0.20% | vs |
Deposit insurance
Is my money safe at First Bank of Coastal Georgia?
Yes. First Bank of Coastal Georgia is an FDIC-insured institution (FDIC certificate #15580). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 47.9% of deposits ($90.9M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.07%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 19.66% (benchmark: 10%).
2 locations
Branches
First Bank of Coastal Georgia lists 2 offices in 2 cities. Most locations:
- Pembroke, GA (1)
- Richmond Hill, GA (1)
Identity & history
Profile
- Legal name
- First Bank of Coastal Georgia
- Former names
- The Pembroke State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 15580
- RSSD ID
- 823638
- Primary regulator
- FDIC
- Holding company
- Putnam-Greene Financial Corp
- Established
- January 1, 1907
- Headquarters
- 250 W Bacon St, Pembroke, GA 31321
- Website
- www.firstbankofcg.com
- Employees
- 29
Quick answers
First Bank of Coastal Georgia: common questions
Is First Bank of Coastal Georgia FDIC insured?
Yes. First Bank of Coastal Georgia is an FDIC-insured institution (FDIC certificate #15580). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First Bank of Coastal Georgia's TellerScore?
59 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has First Bank of Coastal Georgia ever failed?
There is no failure record for FDIC certificate #15580 in the FDIC failed bank list.
How many branches does First Bank of Coastal Georgia have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Pembroke
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Southeastern BankBank Darien, GA | 86 out of 100, Very strong | $624.9M | 13.4% | 0.38% | vs |
| The Citizens Bank of SwainsboroBank Swainsboro, GA | 82 out of 100, Strong | $420.5M | 12.3% | 0.36% | vs |
| South Georgia BankBank Glennville, GA | 81 out of 100, Strong | $269.5M | 10.6% | 0.16% | vs |
| Core Credit UnionCredit union Statesboro, GA | 79 out of 100, Strong | $151.6M | 12.8% | 0.37% | vs |
| Vallant BankBank Elberton, GA | 78 out of 100, Strong | $4.0B | 12.7% | 0.51% | vs |
| Great Oaks BankBank Richmond Hill, GA | 76 out of 100, Strong | $422.0M | 10.3% | 0.10% | vs |