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South Coast Bank & Trust

Brunswick, GA
IDRSSD: 706030
Total Assets
$266.19M
Latest filing
Total Deposits
$237.79M
Latest filing
Net Interest Margin
3.90%
Profitability
0

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 ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date01/01/1934
Community BankYes
Ownership TypeNot Mutual
ZIP31520
State and County Number13127
Subchapter S CorporationsYes
Trust PowersN/A
Federal Reserve ID Number06
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictAtlanta
Core Based Statistical Area NameBrunswick, GA

Operational Info

Number of Employees27
Domestic Offices2
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance07/05/1945
Primary Insurance AgencyDIF
Websitewww.southcoast.bank
Data Updated11/14/2025
CERT16283
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$266.19M
Total Deposits$237.79M
Total Liabilities$244.93M
Total Equity Capital$21.26M
Net Income$872.00k
Net Loans and Leases$186.08M
Assets Per Employee ($Millions)$9.51M
Bank Premises and Fixed Assets$4.54M
Cash and Balances due from Depository Institutions$34.11M
Deposits Held in Domestic Offices$237.79M

Key Performance Ratios

Return on Assets (ROA)1.31%
Return on Equity (ROE)17.13%
Net Interest Margin3.9%
Efficiency Ratio61.61%
Tier 1 Risk-Based Capital Ratio0%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.24%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets7.985%
Earning Assets to total Assets95.47%

Income and Expense

Total Interest Income$3.83M
Total Noninterest Income$220.00k
Total Interest Expense$1.36M
Total Noninterest Expense$1.66M
Net Interest Income$2.47M
Pre-tax Net Operating Income$872.00k
Provision for Credit Losses$160.00k
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$6.00M
Federal Funds Sold & Reverse Repurchase Agreement$978.00k
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$1.14M
Total Liabilities and Capital$266.19M

Securities

Securities$36.49M
Available-for-sale debt securities$36.25M
Equity securities with readily determinable fair values not held for trading$0
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?
$266.19M as of the latest filing.
How much are South Coast Bank & Trust's total deposits?
$237.79M in total deposits.
Where is South Coast Bank & Trust located?
Brunswick, GA.
What is the Net Interest Margin?
3.90%.
How many domestic offices does it operate?
2.
When was it established?
01/01/1934.
What is the Return on Assets (ROA)?
1.31%.
How much are total loans and leases?
$186.08M (latest filing).
What is the total interest income (latest filing)?
$3.83M.