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
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.
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.
Capital
45
Asset Quality
54
Profitability
44
Liquidity
56
Efficiency
53
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.
Hilton Head Island, SC · Cert 57756 · Coastalsouth Bancshares Inc.
State charter, Fed member · FED · 11 branches
Q2 2026
Market Position · Hilton Head Island-Bluffton-Port Royal, SC · 2026 SOD (annual) · 17.0% share · #1 of 21 inst. · $1.2B of $7.0B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.11% | 1.12% | 1.00% | 1.07% | 1.14% | 1.17% | 1.11% | 1.17% | +10 bps | |
| Return on Equity | 11.50% | 11.45% | 9.77% | 10.55% | 10.98% | 11.12% | 10.00% | 10.69% | +15 bps | |
| Net Interest Margin | 3.16% | 3.17% | 3.25% | 3.23% | 3.30% | 3.28% | 3.39% | 3.42% | +18 bps | |
| Efficiency Ratio | 55.75% | 55.52% | 59.50% | 59.57% | 57.72% | 56.99% | 59.32% | 58.63% | -94 bps | |
| Non-Interest Burden | 1.60% | 1.60% | 1.80% | 1.79% | 1.76% | 1.72% | 1.87% | 1.86% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.63% | 3.60% | 6.76% | 4.92% | 5.85% | 9.90% | 7.23% | 9.02% | +410 bps | |
| Loan Growth (YoY) | 8.65% | 5.53% | 9.58% | 8.73% | 11.27% | 12.93% | 10.25% | 11.07% | +234 bps | |
| Deposit Growth (YoY) | 0.96% | 4.74% | 10.68% | 8.92% | 7.88% | 8.38% | 6.24% | 4.28% | -464 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.53% | 0.95% | 0.88% | 0.85% | 0.80% | 1.02% | 0.99% | 0.95% | +10 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.00% | 0.03% | 0.03% | 0.02% | 0.01% | 0.01% | -2 bps | |
| Allowance / Loans | 0.97% | 1.08% | 1.03% | 1.01% | 1.01% | 1.05% | 1.03% | 1.03% | +2 bps | |
| Allowance Coverage of NPLs | 1.8x | 1.1x | 1.2x | 1.2x | 1.3x | 1.0x | 1.0x | 1.1x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.26% | 10.64% | 10.62% | 10.22% | 11.15% | 11.18% | 11.21% | 11.12% | +91 bps | |
| Total Risk-Based Capital | 12.55% | 12.97% | 12.52% | 12.04% | 12.90% | 13.31% | 13.25% | 13.39% | +135 bps | |
| Equity / Assets | 10.16% | 10.42% | 10.04% | 9.95% | 10.93% | 11.08% | 11.02% | 10.82% | +87 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.64% | 86.23% | 85.62% | 88.19% | 91.43% | 89.85% | 88.85% | 93.93% | +574 bps | |
| Liquid Assets / Assets | 2.44% | 2.82% | 3.96% | 1.36% | 0.66% | 2.96% | 2.16% | 0.84% | -52 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 326% | 336% | 337% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.14% | 0.91% | 1.22% | 1.52% | Beats 42% | 190 / 328 | ||
| Return on Equity | 10.57% | 8.43% | 11.45% | 14.43% | Beats 41% | 192 / 328 | ||
| Net Interest Margin | 3.42% | 3.03% | 3.45% | 3.83% | Beats 48% | 171 / 328 | ||
| Efficiency Ratio | 58.77% | 51.61% | 59.56% | 67.53% | Beats 53% | 154 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.95% | 0.24% | 0.51% | 1.03% | Beats 26% | 238 / 322 | ||
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.03% | 0.10% | Beats 82% | 61 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.30% | 11.75% | 13.15% | 15.47% | Beats 36% | 211 / 328 | ||
| Total Risk-Based Capital Ratio | 13.39% | 12.63% | 14.15% | 16.46% | Beats 40% | 198 / 328 | ||
| Equity / Assets | 10.82% | 9.15% | 10.33% | 12.01% | Beats 59% | 135 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 93.93% | 76.63% | 87.92% | 95.36% | 72nd pctl | 92 / 323 | ||
| Loans / Assets | 79.75% | 65.18% | 74.15% | 79.98% | 74th pctl | 84 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||