Side-by-side · Q2 2026 data
South Coast Bank & Trust vs Community Bank of Georgia
Metric by metric
| Measure | South Coast Bank & Trust | Community Bank of Georgia |
|---|---|---|
| TellerScore | 72 | 74 (stronger) |
| Capital cushion | 49 | 60 (stronger) |
| Loan quality | 84 (stronger) | 65 |
| Earnings | 80 | 94 (stronger) |
| Funding & liquidity | 74 | 83 (stronger) |
| Problem-loan coverage | 93 (stronger) | 87 |
| Peer percentile | 50th | 57th |
| Total assets | $269.8M | $269.5M |
| Deposits / shares | $239.4M | $239.6M |
| Capital ratio | 9.90% | 10.99% (stronger) |
| Problem loans | 0.49% (stronger) | 1.05% |
| Net charge-offs | 0.08% (stronger) | 0.10% |
| Return on assets | 1.51% | 1.85% (stronger) |
| Loans ÷ deposits | 79.4% | 77.1% (stronger) |
| Uninsured deposits | 21.4% | 14.8% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.9% | — |
Community Bank of Georgia has the higher TellerScore (74 vs 72). On the 7 directional measures above (where higher or lower is clearly better), South Coast Bank & Trust leads on 2 and Community Bank of Georgia on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.