Coastal States Bank
BankRegReports is independent of Coastal States Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Coastal States Bank is an FDIC-insured commercial bank headquartered in Hilton Head Island, SC, established in 2004 (FDIC certificate 57756), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $2.42B, up 9.0% from Q2 2025, the 3rd largest of 43 banks headquartered in South Carolina. Its CET1 capital ratio was 12.30% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 57756
- Headquarters
- Hilton Head Island, SC
- Established
- 2004
- Total assets, Q2 2026
- $2.42B
- Assets vs Q2 2025
- +9.0%
- CET1 ratio, Q2 2026
- 12.30%
- Domestic offices
- 11 FDIC institution directory, current count
- Routing number
- 053208105
- Latest call report
- Q2 2026, FFIEC 041 · Coastal States Bank call report
- Holding company
- COASTALSOUTH BANCSHARES, INC.
- Asset rank in state
- 3rd of 43 in South Carolina
Little in Coastal States Bank's latest call report stands out. Based in Hilton Head Island, South Carolina, it had $2.4 billion in assets at June 30, 2026, up 9.0% from a year earlier. On most measures it sits near the middle of the 895 banks with $1 billion to $10 billion in assets.
Loans are outrunning deposits: over the year loans rose 11.1% and deposits rose 4.3%. The non-owner-occupied commercial real estate book ($467 million) is worsening: 3.10% of it is past due or on nonaccrual, up from 1.45% a year earlier. Funding is the softer spot: it pays an average of 2.48% on its deposits and borrowings, higher than about three-quarters of banks its size (median 2.01%).
As of June 30, 2026, Coastal States Bank reported a CET1 capital ratio of 12.30%, a return on assets of 1.25%, a nonperforming-loan ratio of 0.95% and a Texas ratio of 5.35%. The figures come from its call report filed with the FFIEC.
Coastal States Bank ranks as the 3rd 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 3.1% to $2.42B, loans rose 5.4% and deposits fell 0.3%. Non-owner-occupied commercial real estate loans made up 24.2% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 21.5%. The FDIC Summary of Deposits lists 11 offices for it, in 8 cities across 2 states; its Hilton Head Island 2 offices book 44% of its branch deposits. By the capital ratios in its Q2 2026 call report, Coastal States Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 5 Bow Cir, Hilton Head Island, SC 29928
- County
- Beaufort
- Metro Area
- Hilton Head Island-Bluffton-Port Royal, SC
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- August 9, 2004
- Domestic offices
- 11 FDIC institution directory, current count
- Employees (FTE)
- 201
- Domestic deposits
- $2.05B
- Allowance for credit losses
- $19.8M
- Net charge-offs (YTD)
- $66K
- Average total assets
- $2.37B
- Average total loans
- $1.84B
- Average interest-bearing deposits
- $1.70B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 2004
- FDIC Cert
- 57756
- Fed RSSD
- 3274709
- SEC CIK
- 1297107 → filed by COASTALSOUTH BANCSHARES, INC.
- Website
- www.coastalstatesbank.com →
- Parent Holding Company
- COASTALSOUTH BANCSHARES, INC. (RSSD 3274727) · COSO
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Stephen R. Stone | CEO | PRESIDENT AND CEO |
| Anthony P. Valduga | CFO | CFO AND COO |
| Turner Cameron Bradley | CCO | CHIEF CREDIT OFFICER |
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
Over the 12 quarters to Q2 2026, Coastal States Bank's total assets ran between $2.00B (Q3 2023) and $2.42B (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
$2.42B total assets against $2.22B; $2.16B total liabilities against $2.00B.
$1.91B net loans and leases against $1.72B; $2.05B total deposits against $1.97B.
$348.6M securities against $331.8M; $33.5M cash and balances due against $43.3M.
$33.6M total interest income against $31.8M; $12.9M total interest expense against $13.4M.
$20.7M net interest income against $18.4M.
$2.2M total noninterest income against $1.8M; $13.3M total noninterest expense against $12.1M.
$658K provision for credit losses against $752K.
$7.4M net income against $6.2M.
1.25% return on assets against 1.13%; 3.65% net interest margin against 3.50%.
12.30% CET1 capital ratio against 11.09%; 11.12% tier 1 leverage ratio against 10.22%.
Inside the full Coastal States 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 States Bank rankings
Its closest position to the top of a national ranking is 506 of 4,196, for total assets; its furthest is 1,614 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.01% (Q1 2025) to 1.54% (Q3 2024) and its net interest margin ran from 3.30% (Q4 2024) to 3.68% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.30% | 1.25% | 0.95% | 5.35% | 3.65% |
| Q1 2026 | 12.19% | 1.10% | 0.99% | 5.33% | 3.54% |
| Q4 2025 | 12.30% | 1.25% | 1.02% | 5.28% | 3.63% |
| Q3 2025 | 11.94% | 1.26% | 0.80% | 3.76% | 3.68% |
| Q2 2025 | 11.09% | 1.13% | 0.85% | 4.30% | 3.50% |
| Q1 2025 | 11.55% | 1.01% | 0.88% | 4.61% | 3.40% |
| Q4 2024 | 12.07% | 1.14% | 0.95% | 4.80% | 3.30% |
| Q3 2024 | 11.72% | 1.54% | 0.53% | 1.94% | 3.42% |
Swipe the table sideways to see every column.
Branch Network
View all 11 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 States Bank (main office) | Hilton Head Island , SC | 29928 | $713.1M |
| Alpharetta Branch | Alpharetta , GA | 30009 | $223.1M |
| Main Street Branch | Hilton Head Island , SC | 29926 | $195.9M |
| Foothills Community Branch | Dawsonville , GA | 30534 | $178.5M |
| Akers Mill Branch | Atlanta , GA | 30339 | $171.0M |
| Sun City Branch | Bluffton , SC | 29909 | $147.8M |
| Cumming Branch | Cumming , GA | 30040 | $129.5M |
| Bluffton Village Branch | Bluffton , SC | 29910 | $97.2M |
| Savannah Branch | Savannah , GA | 31401 | $85.9M |
| Sandy Springs Branch | Atlanta , GA | 30328 | $79.3M |
| Beaufort Branch | Beaufort , SC | 29902 | $31.8M |
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 2, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 2, 2021 | Structure Change | Acquired CornerstoneBank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 18, 2018 | Structure Change | Acquired Foothills Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 17, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
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.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- February 2, 2012, Federal Reserve: Written Agreement: CoastalSouth Bancshares, Inc., Hilton Head, South Carolina
- Period: Most recent institution action February 2, 2012. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.9% of deposits in SC, rank 21 of 73 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 81 applications, 64 loans originated, $60.1M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 18 loans, $25.5M approved, $1.4M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Coastal States Bank’s latest filed figures and updates each quarter.
Similar banks
Compare Coastal States Bank with peers
Frequently asked about Coastal States Bank
What are Coastal States Bank's total assets?
As of the Q2 2026 filing, Coastal States Bank reported total assets of $2.42 billion in its FFIEC call report.
Where is Coastal States Bank headquartered?
It is headquartered in Hilton Head Island, SC, United States.
When was Coastal States Bank founded?
It was established in 2004, per the FDIC institution directory.
Is Coastal States Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57756). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Coastal States Bank?
Coastal States Bank's primary federal regulator is the Federal Reserve.
What is Coastal States Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.30% in its Q2 2026 call report, above regulatory requirements.
How many branches does Coastal States Bank operate?
It operates 11 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Coastal States Bank's Texas Ratio?
Its Texas Ratio is 5.35% 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.
Go deeper on Coastal States Bank.
Get an email when Coastal States Bank files its next call report, and benchmark it against any peer you choose.
Unlock Coastal States Bank, freeFree account