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Coastal Carolina National Bank

Myrtle Beach, SC · Cert 58864 · Coastal Carolina Bancshares

National charter · OCC · 10 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

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.

Peer group

Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

41

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

42

Q2 2024Q2 2026peer median (50)

Liquidity

69

Q2 2024Q2 2026peer median

Efficiency

51

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Coastal Carolina National Bank

Myrtle Beach, SC · Cert 58864 · Coastal Carolina Bancshares

National charter · OCC · 10 branches

Q2 2026

$1.4BAssets
$987.8MLoans
$1.2BDeposits
$122.3MEquity
Loan mix
85%RE $825.2M10%C&I $99.8M4%Consumer $41.1MQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $1.0B17%Noninterest $0.2BQ2 2025Q2 2026

NIM

4.98%Q2 ’245.28%Q2 ’255.24%Q2 ’26+15%+1%

Non-interest income vs. expense

2.11%Q2 ’242.22%Q2 ’252.13%Q2 ’26+6%-3%

Market Position · Myrtle Beach-Conway-North Myrtle Beach, SC · 2026 SOD (annual) · 6.6% share · #7 of 21 inst. · $0.8B of $12.1B

6.6% Horry
0.6% Richland
0.6% Greenville
2.8% Aiken

Executive Summary

  • Earnings: ROA of 1.05%, up 9 bps year over year; NIM at 3.42%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.38%, up 29 bps from a year ago.
  • Funding: loans stand at 80.79% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.05%+9 bps YoY

Net Interest Margin (YTD, annualized)

3.42%+3 bps YoY

Efficiency Ratio (YTD, annualized)

59.17%-261 bps YoY

Tier 1 Leverage Ratio

9.38%+29 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.96%1.01%1.03%1.12%1.05%+9 bps
Return on Equity11.28%11.83%11.91%12.20%11.48%+20 bps
Net Interest Margin3.39%3.22%3.25%3.51%3.42%+3 bps
Efficiency Ratio61.78%60.46%59.51%56.39%59.17%-261 bps
Non-Interest Burden2.01%1.86%1.84%1.89%1.95%-6 bps
Growth
Asset Growth (YoY)11.22%9.97%17.31%15.44%13.84%+262 bps
Loan Growth (YoY)11.03%11.55%12.84%12.11%12.08%+105 bps
Deposit Growth (YoY)11.06%9.66%16.67%14.71%12.93%+186 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.02%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.05%1.07%1.08%1.11%1.12%+7 bps
Allowance Coverage of NPLsn/an/an/a51.5xn/an/an/a
Capital
Tier 1 Leverage Ratio9.09%8.67%9.50%9.53%9.38%+29 bps
Total Risk-Based Capital12.87%12.98%13.92%14.09%14.21%+134 bps
Equity / Assets8.30%8.55%9.03%9.30%9.06%+75 bps
Liquidity & Funding
Loans / Deposits81.40%82.95%81.76%84.06%80.79%-61 bps
Liquid Assets / Assets13.46%13.62%15.41%14.23%16.62%+316 bps
CRE / Total Capitaln/a438%407%404%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Coastal Carolina National Bank

Myrtle Beach, SC · Cert 58864 · Peer group: banks $1B-$10B in assets (n=322-328) · Coastal Carolina Bancshares

National charter · OCC · 10 branches

Q2 2026

$1.4BAssets
$987.8MLoans
$1.2BDeposits
$122.3MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks $1B-$10B in assets (rank 8 of 322).
  • Widest gap: equity / assets trails 77% of banks $1B-$10B in assets (rank 251 of 328).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.01%

Rank 225 of 328

Net Interest Margin

3.42%

Rank 170 of 328

Efficiency Ratio

59.23%

Rank 162 of 328

Equity / Assets

9.06%

Rank 251 of 328

Non-interest income vs. expense

$2.4M$28.0MINCOMEEXPENSE
Unfavorable gap of $25.5M · efficiency ratio beats 51% of banks $1B-$10B in assets
Bank 59.23%Peer median 59.6%Q4 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.01%0.91%1.22%1.52%Beats 31%225 / 328
Return on Equity11.16%8.43%11.45%14.43%Beats 47%175 / 328
Net Interest Margin3.42%3.03%3.45%3.83%Beats 48%170 / 328
Efficiency Ratio59.23%51.61%59.56%67.53%Beats 51%162 / 328
Asset Quality
Nonperforming Loans / Loans0.00%0.24%0.51%1.03%Beats 100%8 / 322
Net Charge-Offs / Loans0.00%0.01%0.03%0.10%Beats 100%18 / 322
Capital
Tier 1 Capital Ratio12.99%11.75%13.15%15.47%Beats 48%170 / 328
Total Risk-Based Capital Ratio14.21%12.63%14.15%16.46%Beats 51%161 / 328
Equity / Assets9.06%9.15%10.33%12.01%Beats 23%251 / 328
Liquidity & Funding
Loans / Deposits80.79%76.63%87.92%95.36%32nd pctl219 / 323
Loans / Assets73.14%65.18%74.15%79.98%46th pctl178 / 328
Brokered Deposits / Depositsn/aNot reported for this institution