PackageTrendsPeer
Letter portraitLegal landscape

Coastal States Bank

Hilton Head Island, SC · Cert 57756 · Coastalsouth Bancshares Inc.

State charter, Fed member · FED · 11 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

45

Q2 2024Q2 2026peer median (50)

Asset Quality

54

Q2 2024Q2 2026peer median (50)

Profitability

44

Q2 2024Q2 2026peer median (50)

Liquidity

56

Q2 2024Q2 2026peer median

Efficiency

53

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Coastal States Bank

Hilton Head Island, SC · Cert 57756 · Coastalsouth Bancshares Inc.

State charter, Fed member · FED · 11 branches

Q2 2026

$2.4BAssets
$1.9BLoans
$2.1BDeposits
$261.6MEquity
Loan mix
70%RE $1.3B11%C&I $0.2B19%Consumer $0.3BQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $1.7B18%Noninterest $0.4BQ2 2025Q2 2026

NIM

5.81%Q2 ’245.59%Q2 ’255.57%Q2 ’26+1%+6%

Non-interest income vs. expense

2.00%Q2 ’242.12%Q2 ’252.21%Q2 ’26+5%+3%

Market Position · Hilton Head Island-Bluffton-Port Royal, SC · 2026 SOD (annual) · 17.0% share · #1 of 21 inst. · $1.2B of $7.0B

18.1% Beaufort
0.2% Fulton
16.2% Dawson
0.6% Cobb

Executive Summary

  • Earnings: ROA of 1.17%, up 10 bps year over year; NIM at 3.42%.
  • Asset quality: problem loans at 0.95% of loans (+10 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 11.12%, up 91 bps from a year ago.
  • Funding: loans stand at 93.93% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.17%+10 bps YoY

Net Interest Margin (YTD, annualized)

3.42%+18 bps YoY

Efficiency Ratio (YTD, annualized)

58.63%-94 bps YoY

Tier 1 Leverage Ratio

11.12%+91 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.07%1.14%1.17%1.11%1.17%+10 bps
Return on Equity10.55%10.98%11.12%10.00%10.69%+15 bps
Net Interest Margin3.23%3.30%3.28%3.39%3.42%+18 bps
Efficiency Ratio59.57%57.72%56.99%59.32%58.63%-94 bps
Non-Interest Burden1.79%1.76%1.72%1.87%1.86%+6 bps
Growth
Asset Growth (YoY)4.92%5.85%9.90%7.23%9.02%+410 bps
Loan Growth (YoY)8.73%11.27%12.93%10.25%11.07%+234 bps
Deposit Growth (YoY)8.92%7.88%8.38%6.24%4.28%-464 bps
Asset Quality
Nonperforming Loans / Loans0.85%0.80%1.02%0.99%0.95%+10 bps
Net Charge-Offs / Loans0.03%0.03%0.02%0.01%0.01%-2 bps
Allowance / Loans1.01%1.01%1.05%1.03%1.03%+2 bps
Allowance Coverage of NPLs1.2x1.3x1.0x1.0x1.1x-0.1x
Capital
Tier 1 Leverage Ratio10.22%11.15%11.18%11.21%11.12%+91 bps
Total Risk-Based Capital12.04%12.90%13.31%13.25%13.39%+135 bps
Equity / Assets9.95%10.93%11.08%11.02%10.82%+87 bps
Liquidity & Funding
Loans / Deposits88.19%91.43%89.85%88.85%93.93%+574 bps
Liquid Assets / Assets1.36%0.66%2.96%2.16%0.84%-52 bps
CRE / Total Capitaln/a326%336%337%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Coastal States Bank

Hilton Head Island, SC · Cert 57756 · Peer group: banks $1B-$10B in assets (n=322-328) · Coastalsouth Bancshares Inc.

State charter, Fed member · FED · 11 branches

Q2 2026

$2.4BAssets
$1.9BLoans
$2.1BDeposits
$261.6MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 82% of banks $1B-$10B in assets (rank 61 of 322).
  • Widest gap: nonperforming loans / loans trails 74% of banks $1B-$10B in assets (rank 238 of 322).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.14%

Rank 190 of 328

Net Interest Margin

3.42%

Rank 171 of 328

Efficiency Ratio

58.77%

Rank 154 of 328

Equity / Assets

10.82%

Rank 135 of 328

Non-interest income vs. expense

$8.3M$52.4MINCOMEEXPENSE
Unfavorable gap of $44.1M · efficiency ratio beats 53% of banks $1B-$10B in assets
Bank 58.77%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.14%0.91%1.22%1.52%Beats 42%190 / 328
Return on Equity10.57%8.43%11.45%14.43%Beats 41%192 / 328
Net Interest Margin3.42%3.03%3.45%3.83%Beats 48%171 / 328
Efficiency Ratio58.77%51.61%59.56%67.53%Beats 53%154 / 328
Asset Quality
Nonperforming Loans / Loans0.95%0.24%0.51%1.03%Beats 26%238 / 322
Net Charge-Offs / Loans0.00%0.01%0.03%0.10%Beats 82%61 / 322
Capital
Tier 1 Capital Ratio12.30%11.75%13.15%15.47%Beats 36%211 / 328
Total Risk-Based Capital Ratio13.39%12.63%14.15%16.46%Beats 40%198 / 328
Equity / Assets10.82%9.15%10.33%12.01%Beats 59%135 / 328
Liquidity & Funding
Loans / Deposits93.93%76.63%87.92%95.36%72nd pctl92 / 323
Loans / Assets79.75%65.18%74.15%79.98%74th pctl84 / 328
Brokered Deposits / Depositsn/aNot reported for this institution