BlastPoint's Banking Scorecard

First Bank of Coastal Georgia

$100M-$1B Specialty: Commercial GA FDIC cert 15580

Pembroke, GA

2 branches across GA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in GA.
Deposits -12.2% year over year ($189.7M on the books).
Delinquency rate 0.36%.
Return on assets 0.23%.
Efficiency ratio 92.90% vs a 64.48% peer average.
Loan-to-deposit ratio 37.27% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 96 in GA

View $100M-$1B leaderboard (GA) →

First Bank of Coastal Georgia has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.56% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 44.0% in tier
- Return on Assets 1.09% below tier average
- Net Interest Margin 1.36% below tier average
- Efficiency Ratio 28.42% above tier average
- Non-Interest Income / Assets 0.50% below tier average

Get updates when First Bank of Coastal Georgia releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Total Assets ?	$215.7M -4.4% YoY +2.6% QoQ	-$170.8M	$386.6M +1.2% YoY	$843.5M +13.2% YoY	$6.3B +7.7% YoY	30%
Total Loans ?	$70.7M +12.1% YoY +8.4% QoQ	-$187.6M	$258.3M +1.7% YoY	$581.6M +14.3% YoY	$3.2B +9.4% YoY	Bottom 7.4% in tier
Total Deposits ?	$189.7M -12.2% YoY +8.2% QoQ	-$137.0M	$326.7M +0.7% YoY	$711.6M +12.3% YoY	$4.9B +7.3% YoY	32%
Return on Assets ?	0.23% +13.7% YoY +24.3% QoQ	-1.09%	1.32% +10.8% YoY	1.55% +0.3% YoY	1.30% +12.1% YoY	Bottom 6.2% in tier
Net Interest Margin ?	2.63% +32.7% YoY +1.7% QoQ	-1.36%	3.99% +5.0% YoY	4.42% +1.2% YoY	3.95% +4.9% YoY	Bottom 3.8% in tier
Efficiency Ratio ?	92.90% -1.5% YoY +1.5% QoQ	+28.42%	64.48% -3.2% YoY	63.07% +1.6% YoY	70.05% +2.5% YoY	Bottom 4.1% in tier
Delinquency Rate ?	0.36% +307.7% QoQ	-0.56%	0.92% +15.7% YoY	0.77% +14.9% YoY	0.98% +16.3% YoY	54%
Loan-to-Deposit Ratio ?	37.27% +27.6% YoY +0.2% QoQ	-40.68%	77.95% +1.0% YoY	78.13% +10.7% YoY	79.03% +2.3% YoY	Top 3.2% in tier
Non-Interest-Bearing Deposit Share ?	18.35% +24.0% YoY -9.4% QoQ	-3.68%	22.03% -0.6% YoY	26.00% -3.3% YoY	21.98% -0.6% YoY	38%
Nonperforming Asset Ratio ?	0.12% +330.7% QoQ	-0.55%	0.67% +16.4% YoY	0.54% +11.1% YoY	0.69% +15.8% YoY	69%
Tier 1 Capital Ratio ?	18.69% +3.6% YoY -5.0% QoQ	+2.78%	15.91% +1.4% YoY	19.50% +7.6% YoY	17.09% +0.8% YoY	83%
Non-Interest Income / Assets ?	0.07% +40.4% YoY +99.0% QoQ	-0.50%	0.57% +7.6% YoY	0.44% +3.6% YoY	0.66% +5.2% YoY	Bottom 9.2% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Noninterest-Bearing	18.3% +3.6pp YoY -1.9pp QoQ	-3.8pp	22.1%	26.2%	22.2%	37%
Brokered Deposits	12.7% +3.4pp YoY +6.9pp QoQ	+4.8pp	7.9%	7.5%	8.5%	81%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
C&I	3.6% -1.1pp YoY -0.4pp QoQ	-8.0pp	11.6%	9.7%	12.5%	12%
CRE	78.7% +2.2pp YoY +2.1pp QoQ	+39.2pp	39.5%	48.9%	41.4%	97%
1-4 Family	13.2% -1.1pp YoY -1.6pp QoQ	-19.5pp	32.6%	31.7%	31.3%	16%
Consumer	2.8% +0.6pp YoY -0.1pp QoQ	-1.3pp	4.1%	4.8%	5.0%	58%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
CET1 Ratio	18.7% +0.6pp YoY -1.0pp QoQ	-0.1pp	18.8%	20.9%	19.7%	73%
Leverage Ratio	9.1% +1.0pp YoY 0.0pp QoQ	-3.1pp	12.2%	14.0%	12.6%	13%
Total Capital Ratio	19.7% +0.6pp YoY -1.0pp QoQ	-0.3pp	19.9%	22.1%	20.8%	72%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Full-Time Employees	29 -4 (-12.1%) YoY -1 (-3.3%) QoQ	-30	58	98	482	25%
Assets per Employee ($)	$7.4M +8.8% YoY +6.2% QoQ	-$80K	$7.5M	$7.5M	$8.8M	60%
Branch Count	2 0 YoY 0 QoQ	-3	4	6	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.1%	0.4%	24%
Nonaccrual	0.3% +0.3pp QoQ	-0.6pp	0.9%	0.8%	1.0%	42%
Allowance Coverage	3.59x -96.1% YoY -77.4% QoQ	-20.56x	24.15x	38.10x	20.23x	62%
Net Charge-off Rate (YTD)	0.1% +0.5pp YoY -0.1pp QoQ	-0.1pp	0.1%	0.1%	0.2%	70%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
ROE	4.0% -1.3pp YoY +0.8pp QoQ	-8.2pp	12.2%	13.6%	11.6%	11%
Cost of Funds (YTD)	1.9% -0.5pp YoY +0.1pp QoQ	+0.2pp	1.7%	1.6%	1.7%	63%
Net Income ($, YTD)	$251,000 +8.2% YoY — QoQ	-$2.3M	$2.6M	$6.6M	$40.4M	6%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Credit Quality Pressure

risk

#553 of 1256 • Bottom 44.0% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.36%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

Loan-to-Deposit Ratio

liquidity

Value: 37.27%

Peer Median: 77.95%

#86 of 2643 Top 3.2% in $100M-$1B

441

Tier 1 Capital Ratio

capital

Value: 18.69%

Peer Median: 15.91%

#441 of 2643 Top 16.6% in $100M-$1B

Top Weaknesses (5 metrics)

2543

Net Interest Margin

profitability

Value: 2.63%

Peer Median: 3.99%

#2543 of 2643 Bottom 3.8% in $100M-$1B

2535

Efficiency Ratio

profitability

Value: 92.90%

Peer Median: 64.48%

#2535 of 2643 Bottom 4.1% in $100M-$1B

2481

Return on Assets

profitability

Value: 0.23%

Peer Median: 1.32%

#2481 of 2643 Bottom 6.2% in $100M-$1B

2449

Total Loans

size

Value: $70.71M

Peer Median: $258.35M

#2449 of 2643 Bottom 7.4% in $100M-$1B

2400

Non-Interest Income / Assets

revenue_mix

Value: 0.07%

Peer Median: 0.57%

#2400 of 2643 Bottom 9.2% in $100M-$1B