🏦Bank Scorer

SOUTH COAST BANK & TRUST

BRUNSWICK, GA · Supervised by FDIC

Est. 1934FDIC #16,283RSSD: FDIC-16283
Part ofWB&T BANKSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: January 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.51%

Institution Profile

FDIC BankFind

Address

1500 Newcastle St, BRUNSWICK, GA

County

Glynn County

Established

January 1, 1934

Total Assets

$268M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

January 1, 2024

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jan 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$268M

Total Deposits

$239M

Net Loans

$192M

Net Income

$1M

ROA

1.51%

ROE

18.69%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate3.51%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

2

Branch Deposits

$238M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20245789.47%3.51%
20235981.36%11.86%
20194588.89%4.44%
20185284.62%9.62%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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