Coastal States Bank
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
$2.4BAssets
$1.9BLoans
$2.1BDeposits
$261.6MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 81% of banks $1B-$10B in assets (rank 61 of 311).
- Widest gap: nonperforming loans / loans trails 71% of banks $1B-$10B in assets (rank 222 of 311).
- Overall: at or above the peer median on 3 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $44.1M · efficiency ratio beats 55% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |