BlastPoint's Banking Scorecard
First Bank of Coastal Georgia
Micro
Specialty: Other
GA
FDIC cert 15580
Designations: ✓ Community bank
Pembroke, GA
2498
banks in Micro tier nationally
87 in GA
View Micro leaderboard (GA) →
First Bank of Coastal Georgia has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 41.97% below tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.68% below tier
- - Non-Interest Income / Assets 0.45% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$221.4M
-1.0% YoY
+1.3% QoQ
|
+$3.9M |
$217.5M
+2.3% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
56% |
| Total Loans ? |
$64.5M
+37.0% YoY
+1.3% QoQ
|
-$74.7M |
$139.2M
+2.8% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
26% |
| Total Deposits ? |
$198.1M
-7.4% YoY
+0.2% QoQ
|
+$14.4M |
$183.7M
+1.8% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
59% |
| Return on Assets ? |
0.32%
-25.2% YoY
+46.8% QoQ
|
-0.76% |
1.08%
+14.7% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 13% in tier |
| Net Interest Margin ? |
2.17%
-2.4% YoY
+4.2% QoQ
|
-1.68% |
3.85%
+6.6% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
Bottom 3% in tier |
| Efficiency Ratio ? |
86.54%
+8.6% YoY
-6.0% QoQ
|
+18.81% |
67.73%
-4.8% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
Bottom 12% in tier |
| Delinquency Rate ? |
0.04%
+356.1% YoY
+124.4% QoQ
|
-0.60% |
0.64%
+24.4% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
77% |
| Loan-to-Deposit Ratio ? |
32.56%
+48.0% YoY
+1.0% QoQ
|
-41.97% |
74.53%
+0.5% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
Top 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
16.85%
+14.2% YoY
-3.0% QoQ
|
-5.55% |
22.39%
-1.3% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
30% |
| Nonperforming Asset Ratio ? |
0.01%
+531.6% YoY
+124.4% QoQ
|
-0.44% |
0.45%
+25.1% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
81% |
| Tier 1 Capital Ratio ? |
19.10%
-9.9% YoY
+3.4% QoQ
|
+10.25% |
8.85%
-3.4% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
85% |
| Non-Interest Income / Assets ? |
0.11%
+1.9% YoY
+50.5% QoQ
|
-0.45% |
0.56%
+0.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 10% in tier |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 2%
in Micro
Why this stands out
Current:
32.56%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (2)
Net Interest Margin
metric
Bottom 3%
in Micro
Why this stands out
Current:
2.17%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest Income / Assets
metric
Bottom 10%
in Micro
Why this stands out
Current:
0.11%
(Tier avg: 0.56%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
98
98th pctile
Loan-to-Deposit Ratio
Current: 32.56% · Tier avg: 74.53%
85
85th pctile
Tier 1 Capital Ratio
Current: 19.10% · Tier avg: 8.85%
81
81th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
77
77th pctile
Delinquency Rate
Current: 0.04% · Tier avg: 0.64%
59
59th pctile
Total Deposits
Current: $198.1M · Tier avg: $183.7M
56
56th pctile
Total Assets
Current: $221.4M · Tier avg: $217.5M
30
30th pctile
Non-Interest-Bearing Deposit Share
Current: 16.85% · Tier avg: 22.39%
26
26th pctile
Total Loans
Current: $64.5M · Tier avg: $139.2M
13
13th pctile
Return on Assets
Current: 0.32% · Tier avg: 1.08%
12
12th pctile
Efficiency Ratio
Current: 86.54% · Tier avg: 67.73%
10
10th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.56%
3
3th pctile
Net Interest Margin
Current: 2.17% · Tier avg: 3.85%
Top Weaknesses
3
3th pctile
Net Interest Margin
Current: 2.17% · Tier avg: 3.85%
10
10th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.56%
12
12th pctile
Efficiency Ratio
Current: 86.54% · Tier avg: 67.73%
13
13th pctile
Return on Assets
Current: 0.32% · Tier avg: 1.08%
26
26th pctile
Total Loans
Current: $64.5M · Tier avg: $139.2M
30
30th pctile
Non-Interest-Bearing Deposit Share
Current: 16.85% · Tier avg: 22.39%
56
56th pctile
Total Assets
Current: $221.4M · Tier avg: $217.5M
59
59th pctile
Total Deposits
Current: $198.1M · Tier avg: $183.7M
77
77th pctile
Delinquency Rate
Current: 0.04% · Tier avg: 0.64%
81
81th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
85
85th pctile
Tier 1 Capital Ratio
Current: 19.10% · Tier avg: 8.85%
98
98th pctile
Loan-to-Deposit Ratio
Current: 32.56% · Tier avg: 74.53%