BlastPoint's Banking Scorecard
First Bank of Coastal Georgia
Pembroke, GA
2 branches across GA
First Bank of Coastal Georgia has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.80% below tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 48.5% in tier
- - Return on Assets 1.08% below tier average
- - Net Interest Margin 1.35% below tier average
- - Non-Interest Income / Assets 0.25% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$210.2M
-8.9% YoY
-5.1% QoQ
|
-$175.9M |
$386.1M
+0.5% YoY
|
$814.8M
+10.0% YoY
|
$6.2B
+9.1% YoY
|
29% |
| Total Loans ? |
$65.2M
+2.5% YoY
+1.1% QoQ
|
-$190.5M |
$255.7M
+1.1% YoY
|
$550.6M
+10.4% YoY
|
$3.2B
+10.8% YoY
|
Bottom 6.0% in tier |
| Total Deposits ? |
$175.3M
-16.3% YoY
-11.5% QoQ
|
-$152.6M |
$328.0M
+0.1% YoY
|
$689.3M
+8.9% YoY
|
$4.8B
+8.2% YoY
|
28% |
| Return on Assets ? |
0.19%
-28.1% YoY
-42.2% QoQ
|
-1.08% |
1.27%
+12.9% YoY
|
1.50%
+0.6% YoY
|
1.23%
+13.4% YoY
|
Bottom 6.3% in tier |
| Net Interest Margin ? |
2.58%
+24.4% YoY
+18.8% QoQ
|
-1.35% |
3.93%
+6.0% YoY
|
4.36%
+2.3% YoY
|
3.89%
+5.7% YoY
|
Bottom 3.8% in tier |
| Efficiency Ratio ? |
91.51%
+0.6% YoY
+5.7% QoQ
|
+26.22% |
65.29%
-4.5% YoY
|
62.13%
-1.5% YoY
|
66.95%
-4.1% YoY
|
Bottom 5.5% in tier |
| Delinquency Rate ? |
0.09%
-57.5% YoY
+125.5% QoQ
|
-0.80% |
0.89%
+18.8% YoY
|
0.81%
+32.9% YoY
|
0.95%
+18.8% YoY
|
75% |
| Loan-to-Deposit Ratio ? |
37.18%
+22.5% YoY
+14.2% QoQ
|
-39.45% |
76.64%
+0.8% YoY
|
71.10%
+2.8% YoY
|
76.70%
+0.9% YoY
|
Top 3.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.25%
+27.6% YoY
+20.2% QoQ
|
-1.77% |
22.02%
-1.0% YoY
|
26.76%
-3.7% YoY
|
22.01%
-1.2% YoY
|
46% |
| Nonperforming Asset Ratio ? |
0.03%
-52.2% YoY
+140.2% QoQ
|
-0.61% |
0.64%
+19.7% YoY
|
0.56%
+24.4% YoY
|
0.67%
+19.3% YoY
|
82% |
| Tier 1 Capital Ratio ? |
19.68%
+11.7% YoY
+3.0% QoQ
|
+3.85% |
15.83%
+1.5% YoY
|
17.30%
-0.8% YoY
|
17.06%
+0.8% YoY
|
Top 14.1% in tier |
| Non-Interest Income / Assets ? |
0.03%
+59.1% YoY
-70.4% QoQ
|
-0.25% |
0.28%
+9.3% YoY
|
0.21%
+3.2% YoY
|
0.32%
+4.1% YoY
|
Bottom 9.9% in tier |
Get Full Access to First Bank of Coastal Georgia
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (0)
Concerns (1)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.