South Coast Bank&Trust
Brunswick, Georgia · FDIC Cert #16283
South Coast Bank&Trust is an FDIC-insured bank (Certificate #16283) with $249M in total assets and $228M in total deposits as of the Q2 2024 Call Report. Headquartered in Brunswick, Georgia, the bank maintains a Tier 1 capital ratio of 11.73% (Well-Capitalized) and a nonperforming loan ratio of 0.56%. BankHealthData assigns a composite Health Grade of A (80/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
South Coast Bank&Trust (FDIC cert 16283) is a community bank — $249M in total assets, $228M in deposits, serving the Brunswick, Georgia area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 11.73% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is normal: non-performing loan ratio of 0.56% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is comfortable: 26.7% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is solid: ROA of 0.85% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. South Coast Bank&Trust carries a composite BankHealth grade of A (80/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: South Coast Bank&Trust
- Total Assets
- $249M
- Total Deposits
- $228M
- Tier 1 Capital Ratio
- 11.73%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.56%
- Liquidity Ratio
- 26.69%
- Return on Assets
- 0.85%
- Headquarters
- Brunswick, Georgia
- FDIC Certificate
- #16283
- Health Grade
- A (80/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, South Coast Bank&Trust holds a Tier 1 capital ratio of 11.73%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning South Coast Bank&Trust has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
South Coast Bank&Trust shows strong financial health indicators. With $249M in assets and a Health Score of 80/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How South Coast Bank&Trust Compares
South Coast Bank&Trust’s Health Score of 80 is 4 points above the Georgia state average of 76 across 123 FDIC-insured banks. Its 11.73% Tier 1 capital ratio is 2.3 points below the US banking industry average near 14%. The 0.56% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.85% is below the national ROA benchmark of ~1.1%. Among 1578 similarly-sized banks, the average Health Score is 69, meaning this bank ranks above its size cohort. Site-wide, South Coast Bank&Trust is 10 points above the portfolio average of 70.
Frequently Asked Questions
South Coast Bank&Trust has a Bank Health Score of A (80/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 11.73%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. South Coast Bank&Trust's Tier 1 capital ratio of 11.73% and nonperforming loan ratio of 0.56% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at South Coast Bank&Trust is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #16283). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
South Coast Bank&Trust holds $249M in total assets and $228M in total deposits. It is headquartered in Brunswick, Georgia (FDIC Certificate #16283).
South Coast Bank&Trust has a Tier 1 capital ratio of 11.73%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.56%, and the return on assets is 0.85%.
Yes. South Coast Bank&Trust is FDIC-insured (Certificate #16283). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
South Coast Bank&Trust's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.