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=311 to 317). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
44
Asset Quality
55
Profitability
44
Liquidity
56
Efficiency
55
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=311-317) · Coastalsouth Bancshares Inc.
State charter, Fed member · FED · 11 branches
Q2 2026
Return on Assets
1.14%
Rank 182 of 317
Net Interest Margin
3.42%
Rank 165 of 317
Efficiency Ratio
58.77%
Rank 144 of 317
Equity / Assets
10.82%
Rank 132 of 317
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.14% | 0.93% | 1.22% | 1.51% | Beats 43% | 182 / 317 | ||
| Return on Equity | 10.57% | 8.63% | 11.43% | 14.48% | Beats 41% | 187 / 317 | ||
| Net Interest Margin | 3.42% | 3.06% | 3.45% | 3.83% | Beats 48% | 165 / 317 | ||
| Efficiency Ratio | 58.77% | 51.90% | 59.69% | 67.53% | Beats 55% | 144 / 317 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.95% | 0.24% | 0.51% | 1.14% | Beats 29% | 222 / 311 | ||
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.04% | 0.12% | Beats 81% | 61 / 311 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.30% | 11.75% | 13.15% | 15.30% | Beats 35% | 206 / 317 | ||
| Total Risk-Based Capital Ratio | 13.39% | 12.63% | 14.21% | 16.26% | Beats 39% | 194 / 317 | ||
| Equity / Assets | 10.82% | 9.06% | 10.32% | 11.95% | Beats 58% | 132 / 317 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 93.93% | 76.63% | 88.04% | 95.67% | 71st pctl | 92 / 312 | ||
| Loans / Assets | 79.75% | 65.41% | 74.05% | 79.71% | 75th pctl | 79 / 317 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||