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
Unfavorable gap of $44.1M · efficiency ratio beats 53% of banks $1B-$10B in assets | 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 |