Side-by-side · Q2 2026 data
First Bank of Coastal Georgia vs Legacy State Bank
Metric by metric
| Measure | First Bank of Coastal Georgia | Legacy State Bank |
|---|---|---|
| TellerScore | 59 | 75 (stronger) |
| Capital cushion | 41 | 71 (stronger) |
| Loan quality | 88 | 98 (stronger) |
| Earnings | 29 | 64 (stronger) |
| Funding & liquidity | 64 (stronger) | 45 |
| Problem-loan coverage | 96 | 99 (stronger) |
| Peer percentile | 17th | 61st |
| Total assets | $215.7M | $205.9M |
| Deposits / shares | $189.7M | $180.3M |
| Capital ratio | 9.07% | 12.05% (stronger) |
| Problem loans | 0.35% | 0.05% (stronger) |
| Net charge-offs | 0.06% | 0.00% (stronger) |
| Return on assets | 0.23% | 1.11% (stronger) |
| Loans ÷ deposits | 37.3% (stronger) | 85.2% |
| Uninsured deposits | 47.9% | 42.7% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Legacy State Bank has the higher TellerScore (75 vs 59). On the 7 directional measures above (where higher or lower is clearly better), First Bank of Coastal Georgia leads on 1 and Legacy State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.