# COASTAL BANK
SAVANNAH, GA · FDIC certificate 20134 · asset band $300M-1B · latest filing 2014-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (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 | $435.7M | |
| Deposits | $369.0M | |
| Loans and leases | $303.4M | |
| Total equity | $44.0M | |
| Loans / deposits | 81.35% (p55 of band) | 79.05% |
| Liquid assets / assets | 19.96% (p29 of band) | |
| Uninsured deposits / deposits | 14.71% (p35 of band) | 18.17% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.23% (p41 of band) | |
| FHLB advances / assets | 2.98% | |
| Tier 1 leverage | 8.87% (p21 of band) | 10.01% |
| Unrealized securities loss / equity | -0.45% (p25 of band) | 0.54% |
| AOCI / equity | 2.95% (p73 of band) | |
| ROA (annualized) | -0.87% (p1 of band) | 0.86% |
| Net interest margin | 4.33% (p88 of band) | 3.60% |
| Efficiency ratio | 131.35% (p100 of band) | |
| Noncurrent loans | 1.37% (p62 of band) | 1.03% |
| Net charge-offs (annualized) | 0.01% (p35 of band) | |
| Reserve coverage of noncurrent | 77.15% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 85.33% (p87 of band) | |
| Auto loans | $362,000 (0.12% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | -0.6% | |
| Employees | 113 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | losing money, noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 3 |  | noncurrent p90 |
| 2011-09 | 1 |  | losing money, construction >100% equity |
| 2011-12 | 2 | losing money |  |
| 2012-03 | 1 |  | losing money |
| 2012-06 | 2 | expense ratio p90 |  |
| 2012-09 | 3 | capital falling |  |
| 2012-12 | 2 |  | capital falling |
| 2013-03 | 1 |  | expense ratio p90 |
| 2013-06 | 2 | assets shrinking |  |
| 2013-09 | 1 |  | assets shrinking |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 3 | losing money, expense ratio p90 |  |

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

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2012-10-29 [LaHaise to lead The Coastal Bank - Savannah Morning News](https://news.google.com/rss/articles/CBMikgFBVV95cUxOTzNyZDRBTHhpazcwbDBrVnpINFF2T25uMnR1SE9YT0tFRkZfa21SaHBNS3hlU3FIUTVUejNDSmVDcmlUazNwWkJVcWV3WkdNdjBkZGZHXzBwSG05cmxQUG9Mak0wN0VhOWMtY0t0LXIwTTk2aXFUNlNLQzZjVVF4ZndabWFhM0JFVnUtX0ZmV0Fsdw?oc=5) · Savannah Morning News
- 2012-01-11 [The Coastal Bank Hires Kelly Mobley Kahley as Mortgage Loan Originator - The Savannah Tribune](https://news.google.com/rss/articles/CBMisgFBVV95cUxQQUtydFRnUkdLdzFkREN6TWxJQ3Z0RXluaWtwalIzY2JDV09xWVE1cDVURUdYV0JvTFFFS2xjZkxhaU1TS2VvS25aaHY2b3V1LW12c2NNZ3Z0eGRTcWUtbWh6SlVicUNZNHFxWXl0ZURRSDgxOGFid2dteGNId3c3U3BqMG9ZcUJBcjU5R25HWi1HQzZSalZFMDZVN3dxajl3SVhLa29nbVhraEhLdWNKOE53?oc=5) · The Savannah Tribune
- 2013-07-12 [Coastal Bank robbery suspect arrested - WTOC](https://news.google.com/rss/articles/CBMilgFBVV95cUxPOHA1SEJSUFMybDhOWlRvVVcxOGtrTndJMGtMQnUwSGtTYXFwTW0wRVRxeklvU0tNemFZWE5hVnIzTVFfLU1xZjdaNlJJMUpoV1BHSlhFWkZJLTczNURoT0VtS0FibHlYcGVLdlBhVkNKeHRvb3gxQnZzN0ZEUWN0LUxYLXJpUVo1bG9QaXM4NDFGakQwUEHSAagBQVVfeXFMTTBBelRZSGRya25GcTFxY2hERl9ETTdyMnZKWnIzNXpORDdiNGN1aEw0d3lrMEJZek1kMUlsSndFaml4UjNlamlDRXgzckx5VVBENktkR2VqYWxYX3hnNVE1OTJzWklzUllNYnpNazUyNEgwUTRhOXRUWEpCOWMyVHVzMXNraFBBRFUwTkxrLTBjUDNFUThkVVRmOVpkQjRBS05Uc2VuM0FC?oc=5) · WTOC
- 2011-03-04 [Metro Bank leader Pedro Bryant works as a partner with borrowers - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQbXFFS0l1dmtXbWxVUUVDS2poSXdFUFAzSndNTEZlcGZ0XzlEWWFNZnBzbXVUVTlVRl9FTkhBQzY4bzVLVFB5akZNX3ZheHhNTmlCLUtWSGViX2ZSTEpQYTF1bUdBTzdGWmlsSjB6d2JZLUI3VWpLSjdTY0UtZHJDNXZrY3cxcEVQRXRuc3NJWjNiekNIZmM3V09UZ3FUTzloWWJEbkNSMWc?oc=5) · The Business Journals
- 2009-07-07 [Taylor retires from Synovus after 35 years of service - WTVM.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxNMHA4V2M4TUhBeExYVzgwMUtfZkNEQU5DUDBpak5BcVVkQ2t5OFZNcDItN254blk3TDE2eFhKc05La09qblpJeDF3WDRwdm00R2lIN1ZzRkF3YWc4Rldoa2hfaW5RMU9heDNaWlVHY05DSmpLUmwxeE81dmI2eWFwQWVRZXQtQzRpRnYxWGdMRWd1NnNr0gGnAUFVX3lxTFBDVFc4WVMzX0JIOFFmUDdjdEJMRmR5UEdncE5iSUV1ZVZncFZkY0tvY3JUS3lKZ1VZMmplWEMwOHhSd0t5anRhT0pYWDI1ZFZHQ3pnR25sNmpXSVF4V0QyNWNBTTRLUHNKa19CTWxCRGRRdGFFNE05Z3QtTXgzZUtBY2dIRk1OWFBmS0l2QlBnZVE0amhDMF9sRU5ZRGFXZGIzVGIwczlB?oc=5) · WTVM.com
- 2013-05-16 [Coastal Bank promotes Chap Bennett - Savannah Morning News](https://news.google.com/rss/articles/CBMingFBVV95cUxQWjJ5TUlZU204NWtVWFVMdWdKZFJiT01GRUl5RXVyYmxtUzhvR1VKS09wWkF2bzNxTEtaQ3VHMkhqdkM0M1plSjU5MXcyeEpVcmlsekFWMTVfazdSVC1qX21FN1hxZnBuV2FhXzBjX3g4ZmZLdWlwUFFlT1BtTE85dWdyRFVnMnlNUnFLQ0dFZHgteDFUVDV5aXkxZzY5QQ?oc=5) · Savannah Morning News
- 2012-12-19 [Coastal Bank Promotes Holliday to Vice President and Director of Treasury Services - The Savannah Tribune](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPM0R2ckM5VXhieEhBWkdCTjloRTZ1dkZaMXh5T1dlZ1VDLTU4VmRSTElYYWwzcHdpbkV3UU0tcHJocFpac24yTU1Wd0c4OTMycmw1NFBuSzY5dktZUjkzX215YzVFZkU0Mk9ZUFRyeExsLUU5VS1DOUprNmtWY0w0Q0ljeWJSN1lheDlpcmJLa0NEbWRQZFkwRjVuZ2hGMEdEOTFFQ3d0VTF3ZEtfcXg5SV9KTks0V3RpNnMyRmVEMmJBdw?oc=5) · The Savannah Tribune

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=20134 (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/38.json (key "20134", 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