Headquartered in Brunswick, Georgia, South Coast Bank & Trust is a state-chartered bank with $269.8M in total assets and $239.4M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1934.
Based on its Q2 2026 filing, South Coast Bank & Trust scores 72/100, which we describe as strong. That is higher than 50% of 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 76th. Its strongest component is problem-loan coverage (93/100; 3.7%), and its lowest is capital cushion (49/100; 9.90%).
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
From Q2 2025 to Q2 2026, the score rose 3 points (69 → 72), mostly because the earnings component improved by 9 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 58 |
| Q3 2024 | 65 |
| Q4 2024 | 65 |
| Q1 2025 | 65 |
| Q2 2025 | 69 |
| Q3 2025 | 72 |
| Q4 2025 | 73 |
| Q1 2026 | 72 |
| Q2 2026 | 72 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.64% |
| Q3 2024 | 9.50% |
| Q4 2024 | 9.72% |
| Q1 2025 | 9.49% |
| Q2 2025 | 9.39% |
| Q3 2025 | 9.61% |
| Q4 2025 | 9.41% |
| Q1 2026 | 9.86% |
| Q2 2026 | 9.90% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.56% |
| Q3 2024 | 0.28% |
| Q4 2024 | 0.22% |
| Q1 2025 | 0.44% |
| Q2 2025 | 0.43% |
| Q3 2025 | 0.22% |
| Q4 2025 | 0.03% |
| Q1 2026 | 0.49% |
| Q2 2026 | 0.49% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.85% |
| Q3 2024 | 0.90% |
| Q4 2024 | 0.88% |
| Q1 2025 | 1.26% |
| Q2 2025 | 1.28% |
| Q3 2025 | 1.30% |
| Q4 2025 | 1.34% |
| Q1 2026 | 1.51% |
| Q2 2026 | 1.51% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 72 | $269.8M | 9.90% | 0.49% | 1.51% | 79.4% |
| Q1 2026 | 72 | $268.2M | 9.86% | 0.49% | 1.51% | 80.1% |
| Q4 2025 | 73 | $264.9M | 9.41% | 0.03% | 1.34% | 80.9% |
| Q3 2025 | 72 | $266.2M | 9.61% | 0.22% | 1.30% | 78.3% |
| Q2 2025 | 69 | $264.9M | 9.39% | 0.43% | 1.28% | 74.5% |
| Q1 2025 | 65 | $252.5M | 9.49% | 0.44% | 1.26% | 80.6% |
| Q4 2024 | 65 | $238.5M | 9.72% | 0.22% | 0.88% | 85.2% |
| Q3 2024 | 65 | $243.0M | 9.50% | 0.28% | 0.90% | 78.2% |
| Q2 2024 | 58 | $249.0M | 8.64% | 0.56% | 0.85% | 76.4% |
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 |
|---|---|---|---|---|---|
| The Peoples BankBank Eatonton, GA | 79 out of 100, Strong | $269.7M | 11.7% | 0.00% | vs |
| South Georgia BankBank Glennville, GA | 81 out of 100, Strong | $269.5M | 10.6% | 0.16% | vs |
| Community Bank of GeorgiaBank Baxley, GA | 74 out of 100, Strong | $269.5M | 11.0% | 1.05% | vs |
| Ab&tBank Albany, GA | 83 out of 100, Strong | $261.2M | 11.8% | 0.00% | vs |
| First Federal Savings and Loan Association of ValdostaBank Valdosta, GA | 57 out of 100, Moderate | $278.5M | 12.3% | 1.79% | vs |
| The Peoples Bank of GeorgiaBank Talbotton, GA | 71 out of 100, Strong | $252.3M | 9.6% | 0.32% | vs |
Deposit insurance
Is my money safe at South Coast Bank & Trust?
Yes. South Coast Bank & Trust is an FDIC-insured institution (FDIC certificate #16283). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 21.4% of deposits ($51.1M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.90%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
2 locations
Branches
South Coast Bank & Trust lists 2 offices in 2 cities. Most locations:
HMDA 2025
Mortgage lending
In 2025, South Coast Bank & Trust reported 65 home-loan applications under HMDA (LEI 254900IVR37DW5QD1I94): 55 originated ($17,145,000 total), 7 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.9%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- South Coast Bank & Trust
- Former names
- The Citizens Exchange Bank
- Type
- State-chartered bank
- FDIC certificate #
- 16283
- RSSD ID
- 706030
- Primary regulator
- FDIC
- Holding company
- Wb&t Bankshares Inc
- Established
- January 1, 1934
- Headquarters
- 1500 Newcastle St, Brunswick, GA 31520
- Website
- www.southcoast.bank
- Employees
- 27
Quick answers
South Coast Bank & Trust: common questions
Is South Coast Bank & Trust FDIC insured?
Yes. South Coast Bank & Trust is an FDIC-insured institution (FDIC certificate #16283). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is South Coast Bank & Trust's TellerScore?
72 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has South Coast Bank & Trust ever failed?
There is no failure record for FDIC certificate #16283 in the FDIC failed bank list.
How many branches does South Coast Bank & Trust have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Brunswick
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Interstate Credit UnionCredit union Jesup, GA | 89 out of 100, Very strong | $410.9M | 15.8% | 0.54% | vs |
| Southeastern BankBank Darien, GA | 86 out of 100, Very strong | $624.9M | 13.4% | 0.38% | vs |
| Bank OZKBank Little Rock, AR | 76 out of 100, Strong | $41.7B | 14.0% | 0.92% | vs |
| Thomasville National BankBank Thomasville, GA | 76 out of 100, Strong | $2.2B | 10.7% | 0.22% | vs |
| Five Star Credit UnionCredit union Dothan, AL | 72 out of 100, Strong | $1.3B | 13.8% | 1.50% | vs |
| Ameris BankBank Atlanta, GA | 67 out of 100, Moderate | $28.4B | 11.4% | 0.57% | vs |