South Coast Bank & Trust
Brunswick, GA
IDRSSD: 706030
Total Assets
$264.89M
Latest filing
Total Deposits
$236.00M
Latest filing
Net Interest Margin
4.06%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
061221310BRUNSWICK, GA
Key People
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Locations
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Main Office
South Coast Bank & Trust
1500 Newcastle St
Brunswick, GA 31520
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1934FDIC Certificate 10471
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| South Coast Bank & Trust (Main) | 1500 Newcastle St | Brunswick, GA |
| MIDWAY BRANCH | 60 Midway Sq | Saint Simons Island, GA |
Showing 1 of 1
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 | 01/01/1934 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 31520 |
| State and County Number | 13127 |
| Subchapter S Corporations | Yes |
| 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 | Brunswick, GA |
Operational Info
| Number of Employees | 28 |
| 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 | 07/05/1945 |
| Primary Insurance Agency | DIF |
| Website | www.southcoast.bank |
| Data Updated | 01/30/2026 |
| CERT | 16283 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $264.89M |
| Total Deposits | $236.00M |
| Total Liabilities | $243.82M |
| Total Equity Capital | $21.07M |
| Net Income | $971.00k |
| Net Loans and Leases | $190.98M |
| Assets Per Employee ($Millions) | $9.81M |
| Bank Premises and Fixed Assets | $4.61M |
| Cash and Balances due from Depository Institutions | $28.15M |
| Deposits Held in Domestic Offices | $236.00M |
Key Performance Ratios
| Return on Assets (ROA) | 1.46% |
| Return on Equity (ROE) | 18.35% |
| Net Interest Margin | 4.06% |
| Efficiency Ratio | 60.07% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.2% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.953% |
| Earning Assets to total Assets | 95.11% |
Income and Expense
| Total Interest Income | $3.90M |
| Total Noninterest Income | $189.00k |
| Total Interest Expense | $1.33M |
| Total Noninterest Expense | $1.66M |
| Net Interest Income | $2.57M |
| Pre-tax Net Operating Income | $971.00k |
| Provision for Credit Losses | $130.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $6.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $1.33M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.82M |
| Total Liabilities and Capital | $264.89M |
Securities
| Securities | $35.98M |
| Available-for-sale debt securities | $35.74M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $237.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of South Coast Bank & Trust?
$264.89M as of the latest filing.
How much are South Coast Bank & Trust's total deposits?
$236.00M in total deposits.
Where is South Coast Bank & Trust located?
Brunswick, GA.
What is the Net Interest Margin?
4.06%.
How many domestic offices does it operate?
2.
When was it established?
01/01/1934.
What is the Return on Assets (ROA)?
1.46%.
How much are total loans and leases?
$190.98M (latest filing).
What is the total interest income (latest filing)?
$3.90M.