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
Unfavorable gap of $25.5M · efficiency ratio beats 51% 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 | 1.01% | 0.91% | 1.22% | 1.52% | Beats 31% | 225 / 328 | | |
| Return on Equity | 11.16% | 8.43% | 11.45% | 14.43% | Beats 47% | 175 / 328 | | |
| Net Interest Margin | 3.42% | 3.03% | 3.45% | 3.83% | Beats 48% | 170 / 328 | | |
| Efficiency Ratio | 59.23% | 51.61% | 59.56% | 67.53% | Beats 51% | 162 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.24% | 0.51% | 1.03% | Beats 100% | 8 / 322 | | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.03% | 0.10% | Beats 100% | 18 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 12.99% | 11.75% | 13.15% | 15.47% | Beats 48% | 170 / 328 | | |
| Total Risk-Based Capital Ratio | 14.21% | 12.63% | 14.15% | 16.46% | Beats 51% | 161 / 328 | | |
| Equity / Assets | 9.06% | 9.15% | 10.33% | 12.01% | Beats 23% | 251 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 80.79% | 76.63% | 87.92% | 95.36% | 32nd pctl | 219 / 323 | | |
| Loans / Assets | 73.14% | 65.18% | 74.15% | 79.98% | 46th pctl | 178 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |