Coastal Carolina National Bank
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Data as of · sourced from FFIEC call reports. How we update
Coastal Carolina National Bank is an FDIC-insured commercial bank headquartered in Myrtle Beach, SC, established in 2009 (FDIC certificate 58864), and it is supervised by the OCC. At Q2 2026 it reported total assets of $1.35B, up 13.8% from Q2 2025, the 10th largest of 43 banks headquartered in South Carolina. Its CET1 capital ratio was 12.99% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 58864
- Headquarters
- Myrtle Beach, SC
- Established
- 2009
- Total assets, Q2 2026
- $1.35B
- Assets vs Q2 2025
- +13.8%
- CET1 ratio, Q2 2026
- 12.99%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 053208309
- Latest call report
- Q2 2026, FFIEC 051 · Coastal Carolina National Bank call report
- Holding company
- COASTAL CAROLINA BANCSHARES, INC.
- Asset rank in state
- 10th of 43 in South Carolina
Coastal Carolina National Bank, based in Myrtle Beach, South Carolina, reported $1.4 billion in assets at June 30, 2026, up 13.8% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 880 banks with $1 billion to $10 billion in assets (median 3.6%). On the other hand, it funds 9.38% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.49%).
Net income for the quarter rose 16% from a year earlier, to $3.2 million.
As of June 30, 2026, Coastal Carolina National Bank reported a CET1 capital ratio of 12.99%, a return on assets of 0.99%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Coastal Carolina National Bank ranks as the 10th largest of the 43 banks based in South Carolina, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 5.7% to $1.35B, loans rose 2.0% and deposits rose 6.1%. 1-4 family residential loans made up 34.8% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 24.6%. Its 10 offices in the FDIC Summary of Deposits are in 10 cities across 2 states; its Myrtle Beach office books 23% of its branch deposits. Judged on its Q2 2026 call report, Coastal Carolina National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1012 38th Ave N, Myrtle Beach, SC 29577
- County
- Horry
- Metro Area
- Myrtle Beach-Conway-North Myrtle Beach, SC
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 8, 2009
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 129
- Domestic deposits
- $1.22B
- Allowance for credit losses
- $11.1M
- Net charge-offs (YTD)
- $0
- Average total assets
- $1.31B
- Average total loans
- $980.9M
- Average interest-bearing deposits
- $975.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 8, 2009
- FDIC Cert
- 58864
- Fed RSSD
- 3821822
- SEC CIK
- 1437213 → filed by COASTAL CAROLINA BANCSHARES, INC.
- Website
- WWW.MYCCNB.COM →
- Parent Holding Company
- COASTAL CAROLINA BANCSHARES, INC. (RSSD 3823817) · CCNB
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Coastal Carolina National Bank's total assets moved between a low of $916.4M (Q3 2023) and a high of $1.35B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.35B total assets against $1.19B; $1.23B total liabilities against $1.09B.
$976.7M net loans and leases against $872.0M; $1.22B total deposits against $1.08B.
$74.9M securities against $82.3M; $253.4M cash and balances due against $189.4M.
$17.8M total interest income against $15.1M; $6.3M total interest expense against $5.5M.
$11.4M net interest income against $9.6M.
$604K total noninterest income against $603K; $7.4M total noninterest expense against $6.2M.
$390K provision for credit losses against $480K.
$3.2M net income against $2.8M.
0.99% return on assets against 1.00%; 3.60% net interest margin against 3.60%.
12.99% CET1 capital ratio against 11.76%; 9.38% tier 1 leverage ratio against 9.09%.
Inside the full Coastal Carolina National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Coastal Carolina National Bank rankings
Its closest position to the top of a national ranking is 809 of 4,196, for total assets; its furthest is 3,363 of 3,640, for Texas Ratio.
Banks merged into Coastal Carolina National Bank
- Beacon Community Bank, effective October 1, 2026
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.91% (Q3 2024) to 1.14% (Q1 2026) and its net interest margin ran from 3.23% (Q3 2024) to 3.63% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.99% | 0.99% | 0.00% | 0.00% | 3.60% |
| Q1 2026 | 12.89% | 1.14% | 0.02% | 0.16% | 3.63% |
| Q4 2025 | 12.77% | 1.11% | 0.00% | 0.00% | 3.59% |
| Q3 2025 | 11.85% | 1.08% | 0.00% | 0.00% | 3.51% |
| Q2 2025 | 11.76% | 1.00% | 0.00% | 0.00% | 3.60% |
| Q1 2025 | 11.68% | 0.96% | 0.00% | 0.00% | 3.52% |
| Q4 2024 | 11.84% | 1.06% | 0.00% | 0.00% | 3.37% |
| Q3 2024 | 11.68% | 0.91% | 0.00% | 0.00% | 3.23% |
Swipe the table sideways to see every column.
Branch Network
View all 10 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Coastal Carolina National Bank (main office) | Myrtle Beach , SC | 29577 | $286.2M |
| Conway Branch | Conway , SC | 29526 | $228.9M |
| North Myrtle Branch | North Myrtle Beach , SC | 29582 | $159.2M |
| Garden City Branch | Murrells Inlet , SC | 29576 | $128.6M |
| Columbia Office Branch | Columbia , SC | 29205 | $116.4M |
| Greenville Branch | Greenville , SC | 29601 | $110.2M |
| Aiken Branch | Aiken , SC | 29801 | $104.3M |
| Orangeburg Branch | Orangeburg , SC | 29115 | $56.6M |
| Ocean Isle Beach Branch | Ocean Isle Beach , NC | 28469 | $20.5M |
| Spartanburg Branch | City Of Spartanburg , SC | 29306 | $11.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 1, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2026 | Structure Change | Acquired Beacon Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 8, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 8, 2016 | Structure Change | Acquired VistaBank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.9% of deposits in SC, rank 19 of 73 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 379 applications, 294 loans originated, $106.0M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $300K approved, $300K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Coastal Carolina National Bank
What are Coastal Carolina National Bank's total assets?
As of the Q2 2026 filing, Coastal Carolina National Bank reported total assets of $1.35 billion in its FFIEC call report.
Where is Coastal Carolina National Bank headquartered?
It is headquartered in Myrtle Beach, SC, United States.
When was Coastal Carolina National Bank founded?
It was established in 2009, per the FDIC institution directory.
Is Coastal Carolina National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58864). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Coastal Carolina National Bank?
Coastal Carolina National Bank's primary federal regulator is the OCC.
What is Coastal Carolina National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.99% in its Q2 2026 call report, above regulatory requirements.
How many branches does Coastal Carolina National Bank operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Coastal Carolina National Bank's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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