COASTAL STATES BANK

HILTON HEAD ISLAND, SC | Large | Est. Aug. 9, 2004, midnight | FDIC #57756 | RSSD #3274709 | FED
Latest Report: 2025-12-31

COASTAL STATES BANK is aln large FDIC-insured commercial bank headquartered in HILTON HEAD ISLAND, SC, established in Aug. 9, 2004, midnight. As of 2025-12-31, the bank reported total assets of $2.3B and total deposits of $2.0B. Profitability stands at 1.26% ROA and 11.44% ROE, with a net interest margin of 3.79%. The bank's CET1 capital ratio is 12.30%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.02% and a Texas Ratio of 6.68%. FDIC Certificate #57756.

Assets

$2.3B

Deposits

$2.0B

Loans

$1.8B

Equity

$255M

Profitability

Return on Assets (ROA) 1.26%
Return on Equity (ROE) 11.44%
Net Interest Margin (NIM) 3.79%
Yield on Assets 6.30%
Cost of Funds 3.53%

Asset Quality

NPL Ratio 1.02%
Net Charge-Off Ratio 0.02%
Texas Ratio 6.68%
NPA Ratio 0.79%
ACL / Loans 1.05%

Capital & Liquidity

CET1 Ratio 12.30%
Tier 1 Capital 12.30%
Total Capital Ratio 13.31%
Leverage Ratio 11.18%
Loan-to-Deposit 89.85%

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