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 | |