PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Southern Coastal

Biloxi, MS · Charter 24885

NCUA · 1 branch

Q2 2026

$14.0MAssets
$9.8MLoans
$11.4MShares
$2.6MNet Worth

Executive Summary

  • Earnings: ROA of 0.87%, up 37 bps year over year; NIM at 5.21%.
  • Asset quality: problem loans at 0.68% of loans (-26 bps YoY).
  • Capital: net worth / assets of 18.21%, up 38 bps from a year ago.
  • Funding: loans stand at 86.19% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.87%+37 bps YoY

Net Interest Margin (YTD, annualized)

5.21%+13 bps YoY

Efficiency Ratio (YTD, annualized)

83.70%-733 bps YoY

Net Worth / Assets

18.21%+38 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.29%0.26%0.60%0.50%0.55%0.59%0.57%0.87%+37 bps
Return on Equity1.54%1.38%3.36%2.81%3.04%3.25%3.10%4.80%+199 bps
Net Interest Margin4.90%4.87%5.03%5.08%5.20%5.14%5.18%5.21%+13 bps
Efficiency Ratio86.39%87.96%89.24%91.04%89.00%87.42%84.99%83.70%-733 bps
Growth
Asset Growth (YoY)2.18%4.38%7.07%7.51%5.76%5.61%-0.36%2.24%-527 bps
Loan Growth (YoY)-0.53%4.02%4.40%-0.31%7.57%6.10%9.37%12.76%+1,307 bps
Share Growth (YoY)2.60%5.04%8.56%8.61%6.38%6.17%-1.55%1.91%-670 bps
Asset Quality
Delinquent Loans / Loans0.88%0.65%0.84%0.95%1.34%0.48%0.47%0.68%-26 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital18.61%18.48%17.80%17.83%18.04%18.09%18.45%18.21%+38 bps
Net Worth / Assets18.61%18.48%17.80%17.83%18.04%18.09%18.45%18.21%+38 bps
Liquidity & Funding
Loans / Shares82.12%85.34%78.73%77.90%83.04%85.29%87.45%86.19%+829 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps