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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 $41.1MQ3 2024Q2 2026
Deposit mix
83%Interest-bearing $1.0B17%Noninterest $0.2BQ3 2024Q2 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

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

Executive Summary

  • Earnings: ROA of 0.99%, up 1 bps year over year; NIM at 3.49%.
  • 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.

Return on Assets (quarter, annualized)

0.99%+1 bps YoY

Net Interest Margin (quarter, annualized)

3.49%+2 bps YoY

Efficiency Ratio (quarter, annualized)

61.86%+137 bps YoY

Tier 1 Leverage Ratio

9.38%+29 bps YoY

NIM

5.20%Q2 ’245.42%Q2 ’255.41%Q2 ’26+13%+0%

Non-interest income vs. expense

2.17%Q2 ’242.23%Q2 ’252.27%Q2 ’26+3%+4%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.91%1.06%0.95%0.98%1.09%1.09%1.12%0.99%+1 bps
Return on Equity11.05%12.56%11.03%11.50%12.94%12.41%12.20%10.78%-72 bps
Net Interest Margin3.12%3.25%3.39%3.47%3.39%3.47%3.51%3.49%+2 bps
Efficiency Ratio62.42%60.45%63.12%60.49%58.02%56.92%56.39%61.86%+137 bps
Non-Interest Burden1.85%1.84%2.05%2.01%1.87%1.88%1.89%2.08%+7 bps
Growth
Asset Growth (YoY)19.93%16.38%14.22%11.22%9.97%17.31%15.44%13.84%+262 bps
Loan Growth (YoY)9.24%9.65%10.48%11.03%11.55%12.84%12.11%12.08%+105 bps
Deposit Growth (YoY)20.98%19.21%14.25%11.06%9.66%16.67%14.71%12.93%+186 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.02%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.02%1.02%1.02%1.05%1.07%1.08%1.11%1.12%+7 bps
Allowance Coverage of NPLsn/an/an/an/an/an/a51.5xn/an/an/a
Capital
Tier 1 Leverage Ratio8.55%8.79%9.04%9.09%8.67%9.50%9.53%9.38%+29 bps
Total Risk-Based Capital12.73%12.89%12.76%12.87%12.98%13.92%14.09%14.21%+134 bps
Equity / Assets8.30%8.51%8.70%8.30%8.55%9.03%9.30%9.06%+75 bps
Liquidity & Funding
Loans / Deposits81.54%84.54%86.01%81.40%82.95%81.76%84.06%80.79%-61 bps
Liquid Assets / Assets13.34%10.63%10.18%13.46%13.62%15.41%14.23%16.62%+316 bps
CRE / Total Capitaln/an/an/an/a438%407%404%n/an/a