Side-by-side · Q2 2026 data
South Coast Bank & Trust vs First Federal Savings and Loan Association of Valdosta
Bank
First Federal Savings and Loan Association of Valdosta
Valdosta, Georgia · $100 million – $1 billion
Metric by metric
| Measure | South Coast Bank & Trust | First Federal Savings and Loan Association of Valdosta |
|---|---|---|
| TellerScore | 72 (stronger) | 57 |
| Capital cushion | 49 | 73 (stronger) |
| Loan quality | 84 (stronger) | 40 |
| Earnings | 80 (stronger) | 53 |
| Funding & liquidity | 74 (stronger) | 47 |
| Problem-loan coverage | 93 (stronger) | 75 |
| Peer percentile | 50th | 14th |
| Total assets | $269.8M | $278.5M |
| Deposits / shares | $239.4M | $208.5M |
| Capital ratio | 9.90% | 12.26% (stronger) |
| Problem loans | 0.49% (stronger) | 1.79% |
| Net charge-offs | 0.08% | 0.02% (stronger) |
| Return on assets | 1.51% (stronger) | 0.83% |
| Loans ÷ deposits | 79.4% (stronger) | 116.7% |
| Uninsured deposits | 21.4% | 17.9% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.9% | 0.0% |
South Coast Bank & Trust has the higher TellerScore (72 vs 57). On the 7 directional measures above (where higher or lower is clearly better), South Coast Bank & Trust leads on 4 and First Federal Savings and Loan Association of Valdosta on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.