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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

5.98%Q2 ’245.75%Q2 ’255.65%Q2 ’26+1%+4%

Non-interest income vs. expense

2.04%Q2 ’242.20%Q2 ’252.24%Q2 ’26+7%+0%

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 1.24%, up 11 bps year over year; NIM at 3.49%.
  • 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 (quarter, annualized)

1.24%+11 bps YoY

Net Interest Margin (quarter, annualized)

3.49%+15 bps YoY

Efficiency Ratio (quarter, annualized)

57.98%-166 bps YoY

Tier 1 Leverage Ratio

11.12%+91 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.13%1.26%1.26%1.11%1.24%+11 bps
Return on Equity11.32%12.08%11.44%10.00%11.38%+5 bps
Net Interest Margin3.35%3.52%3.47%3.39%3.49%+15 bps
Efficiency Ratio59.64%54.37%54.97%59.32%57.98%-166 bps
Non-Interest Burden1.86%1.74%1.73%1.87%1.87%+1 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 / Loans0.05%0.03%0.00%0.01%0.01%-4 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