Myrtle Beach, SC · Cert 58864 · Coastal Carolina Bancshares
National charter · OCC · 10 branches
Q2 2026
Market Position · Myrtle Beach-Conway-North Myrtle Beach, SC · 2026 SOD (annual) · 6.6% share · #7 of 21 inst. · $0.8B of $12.1B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.96% | 1.01% | 1.03% | 1.12% | 1.05% | +9 bps | |
| Return on Equity | 11.28% | 11.83% | 11.91% | 12.20% | 11.48% | +20 bps | |
| Net Interest Margin | 3.39% | 3.22% | 3.25% | 3.51% | 3.42% | +3 bps | |
| Efficiency Ratio | 61.78% | 60.46% | 59.51% | 56.39% | 59.17% | -261 bps | |
| Non-Interest Burden | 2.01% | 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 / Loans | 0.00% | 0.00% | 0.00% | 0.02% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.05% | 1.07% | 1.08% | 1.11% | 1.12% | +7 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 51.5x | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.09% | 8.67% | 9.50% | 9.53% | 9.38% | +29 bps | |
| Total Risk-Based Capital | 12.87% | 12.98% | 13.92% | 14.09% | 14.21% | +134 bps | |
| Equity / Assets | 8.30% | 8.55% | 9.03% | 9.30% | 9.06% | +75 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 81.40% | 82.95% | 81.76% | 84.06% | 80.79% | -61 bps | |
| Liquid Assets / Assets | 13.46% | 13.62% | 15.41% | 14.23% | 16.62% | +316 bps | |
| CRE / Total Capital | n/a | 438% | 407% | 404% | n/a | n/a | |