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First Bank Of Coastal Georgia

Pembroke, GA · Est. 1907 · Website ↗
C
Trust Grade
Average
Score: 78/100

First Bank Of Coastal Georgia is a bank based in Pembroke, Georgia, established in 1907, with $210 million in total assets across 2 branches. By Trust Grade it ranks 119th of 124 banks we track in Georgia. Its capital ratio of 6.1% trails most similarly sized banks (3th percentile), versus a Georgia median of 10.5%. It was profitable over the most recent period, with a 0.19% return on assets. No consumer complaints against First Bank Of Coastal Georgia appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$210.2M
$100M–1B institution
Deposits
$175.3M
Branches
2
Capital ratio
6.1%
Bottom 3% of $100M–1B peers · Georgia median 10.5%
Return on assets
0.2%
Bottom 6% of $100M–1B peers · Georgia median 1.53%
Rank in Georgia
#119
of 124 banks

How First Bank Of Coastal Georgia compares to Georgia peers

Capital ratio
Bottom 3% of $100M–1B peers
First Bank
6.1%
Georgia median
10.5%
Higher capital ratio = stronger financial cushion
Return on assets
Bottom 6% of $100M–1B peers
First Bank
0.2%
Georgia median
1.5%
Higher ROA = more profitable relative to asset base

How we graded First Bank Of Coastal Georgia

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
78/100
Customer experience
n/a
Overall
C · 78
  • Well-capitalized (6.1% capital ratio)
  • Profitable (ROA 0.19%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for First Bank Of Coastal Georgia over the analysis window. For a smaller institution this is common and counts in its favor.

Branch locations (2)

  • 9720 Ford Ave, Richmond Hill, GA 31324
  • 250 W Bacon St, Pembroke, GA 31321

Are deposits at First Bank Of Coastal Georgia insured?

Yes. First Bank Of Coastal Georgia is an FDIC-insured bank (FDIC certificate #15580). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

First Bank Of Coastal Georgia: frequently asked questions

Is First Bank Of Coastal Georgia a good bank?

First Bank Of Coastal Georgia earns a Bankzia Trust Grade of C (78/100, "Average"), based on a financial-strength score of 78/100 (it has no CFPB complaints on record). Well-capitalized (6.1% capital ratio); Profitable (ROA 0.19%).

Is First Bank Of Coastal Georgia FDIC-insured?

Yes. First Bank Of Coastal Georgia is a FDIC-insured bank (FDIC certificate #15580). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.

How big is First Bank Of Coastal Georgia?

First Bank Of Coastal Georgia holds $210 million in total assets, ranking 119th of 124 banks we track in Georgia. It operates 2 branches.

Does First Bank Of Coastal Georgia have CFPB complaints?

No CFPB complaints against First Bank Of Coastal Georgia appear in our data over the analysis window, which is typical for a bank of this size.

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Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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