First Bank of Coastal Georgia
Pembroke, GA
IDRSSD: 823638
Total Assets
$218.58M
Latest filing
Total Deposits
$197.66M
Latest filing
Net Interest Margin
2.29%
Profitability
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1907 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 31321 |
| State and County Number | 13029 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Savannah, GA |
Operational Info
| Number of Employees | 33 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 02/10/1938 |
| Primary Insurance Agency | DIF |
| Website | www.firstbankofcg.com |
| Data Updated | 11/14/2025 |
| CERT | 15580 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $218.58M |
| Total Deposits | $197.66M |
| Total Liabilities | $207.32M |
| Total Equity Capital | $11.27M |
| Net Income | $140.00k |
| Net Loans and Leases | $63.69M |
| Assets Per Employee ($Millions) | $7.29M |
| Bank Premises and Fixed Assets | $802.00k |
| Cash and Balances due from Depository Institutions | $2.15M |
| Deposits Held in Domestic Offices | $197.66M |
Key Performance Ratios
| Return on Assets (ROA) | 0.25% |
| Return on Equity (ROE) | 5.74% |
| Net Interest Margin | 2.29% |
| Efficiency Ratio | 88.21% |
| Tier 1 Risk-Based Capital Ratio | 18.47% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 5.154% |
| Earning Assets to total Assets | 96.33% |
Income and Expense
| Total Interest Income | $2.49M |
| Total Noninterest Income | $58.00k |
| Total Interest Expense | $1.26M |
| Total Noninterest Expense | $1.13M |
| Net Interest Income | $1.22M |
| Pre-tax Net Operating Income | $151.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $8.40M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $210.00k |
| All Other Liabilities | $1.05M |
| Total Liabilities and Capital | $218.58M |
Securities
| Securities | $146.41M |
| Available-for-sale debt securities | $146.41M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First Bank of Coastal Georgia?
$218.58M as of the latest filing.
How much are First Bank of Coastal Georgia's total deposits?
$197.66M in total deposits.
Where is First Bank of Coastal Georgia located?
Pembroke, GA.
What is the Net Interest Margin?
2.29%.
How many domestic offices does it operate?
2.
When was it established?
01/01/1907.
What is the Return on Assets (ROA)?
0.25%.
How much are total loans and leases?
$63.69M (latest filing).
What is the total interest income (latest filing)?
$2.49M.