# FIRST BANK OF COASTAL GA
PEMBROKE, GA · FDIC certificate 15580 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 6 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $215.7M | |
| Deposits | $189.7M | |
| Loans and leases | $71.6M | |
| Total equity | $12.3M | |
| Loans / deposits | 37.27% (p10 of band) | 73.59% |
| Liquid assets / assets | 64.22% (p91 of band) | |
| Uninsured deposits / deposits | 47.89% (p96 of band) | 19.81% |
| Brokered deposits | 11.13% | |
| Wholesale funding | 17.15% (p93 of band) | |
| FHLB advances / assets | 6.03% | |
| Tier 1 leverage | 9.07% (p11 of band) | 11.76% |
| Unrealized securities loss / equity | -85.00% (p2 of band) | -6.57% |
| AOCI / equity | -4.72% (p2 of band) | |
| ROA (annualized) | 0.23% (p10 of band) | 1.17% |
| Net interest margin | 2.63% (p6 of band) | 3.93% |
| Efficiency ratio | 92.90% (p92 of band) | |
| Noncurrent loans | 0.35% (p50 of band) | 0.36% |
| Net charge-offs (annualized) | 0.02% (p72 of band) | |
| Reserve coverage of noncurrent | 359.13% | |
| Real estate % of loans | 94% | |
| Construction % of loans | 112.85% (p96 of band) | |
| Auto loans | $129,000 (0.18% of loans; DQ 0.00%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -12.2% | |
| Employees | 29 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **securities losses >30% of equity** (`cap_secloss`)
- **expense ratio p90** (`earn_efficiency`)
- **construction >100% equity** (`conc_construction`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 3 | charge-offs p90 |  |
| 2012-12 | 2 |  | charge-offs p90 |
| 2013-03 | 2 |  |  |
| 2013-06 | 5 | capital falling, AOCI drag >20% of equity, charge-offs p90 |  |
| 2013-09 | 4 |  | capital falling |
| 2013-12 | 5 | securities losses >30% of equity |  |
| 2014-03 | 4 | capital falling | AOCI drag >20% of equity, securities losses >30% of equity |
| 2014-06 | 3 |  | capital falling |
| 2014-09 | 3 |  |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 3 |  |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 2 |  | charge-offs p90 |
| 2016-03 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 3 | capital falling, deposits shrinking, assets shrinking |  |
| 2017-06 | 3 | uninsured deposits leaving | capital falling |
| 2017-09 | 3 |  |  |
| 2017-12 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2018-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2018-06 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | capital falling |  |
| 2019-03 | 0 |  | capital falling |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | NIM <2.5% |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 2 | capital falling |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 4 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 3 |  | capital falling |
| 2022-09 | 3 |  |  |
| 2022-12 | 5 | uninsured deposits >50%, capital falling |  |
| 2023-03 | 4 |  | AOCI drag >20% of equity |
| 2023-06 | 4 | expense ratio p90 | capital falling |
| 2023-09 | 7 | brokered >10%, AOCI drag >20% of equity, construction >100% equity |  |
| 2023-12 | 5 |  | brokered >10%, AOCI drag >20% of equity |
| 2024-03 | 5 | capital falling | expense ratio p90 |
| 2024-06 | 5 |  |  |
| 2024-09 | 6 | wholesale funding >15% |  |
| 2024-12 | 5 |  | wholesale funding >15% |
| 2025-03 | 5 |  |  |
| 2025-06 | 4 |  | uninsured deposits >50% |
| 2025-09 | 6 | brokered >10%, wholesale funding >15%, uninsured deposits leaving | capital falling |
| 2025-12 | 5 | deposits shrinking | brokered >10%, wholesale funding >15% |
| 2026-03 | 5 | uninsured deposits >50%, assets shrinking | NIM <2.5%, uninsured deposits leaving |
| 2026-06 | 6 | brokered >10%, wholesale funding >15%, expense ratio p90 | uninsured deposits >50%, assets shrinking |

## In the news (Google News, unfiltered, newest first; check the city)

- 2012-12-12 [After 46 years, Patton to retire from banking - Bryan County News](https://news.google.com/rss/articles/CBMilgFBVV95cUxQVkdJbVNRQjBQcEtMSlVYNGk1RXYzV0hnNnAtRUFPanJ5cHBjdlFFdFQ3VEJrSmpqZzFwTVRFTXlRczBWbTlqTk1pbjFybzNpa29JOGttR0NHaHFNZHYzY3ByVWVrcFk3VFJxWkh6a2ZUdTJuTjVkX1dGYnJ6S2xNc0o5R2ZRUFlkUE9QZXE5NmtLZ01fUmc?oc=5) · Bryan County News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15580 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/28.json (key "15580", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide