Coastal States Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 11.4% higher than in Q1 2026, at -$10.5M. Within South Carolina, Coastal States Bank is 23rd of 30 on CET1 ratio, 12.30% as of Q2 2026, below the middle of the field. Coastal States Bank reported 12.30% on CET1 ratio for Q2 2026, 1.18 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.30% |
| Tier 1 risk-based capital ratio | 12.30% |
| Total risk-based capital ratio | 13.39% |
| Tier 1 leverage ratio | 11.12% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $263.2M |
| Tier 1 capital | $263.2M |
| Total risk-based capital | $286.6M |
| Total equity capital | $261.6M |
| Risk-weighted assets | $2.14B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.82% |
| Tangible equity to tangible assets | 10.63% |
| Equity capital to average assets | 11.01% |
| Internal capital growth rate | 2.16% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $8.6M |
| Common stock surplus | $187.6M |
| Retained earnings | $75.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$10.5M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.03% | 11.03% | 11.92% | 9.51% | $1.70B |
| Q4 2023 | 11.52% | 11.52% | 12.36% | 9.94% | $1.74B |
| Q1 2024 | 11.51% | 11.51% | 12.43% | 9.97% | $1.77B |
| Q2 2024 | 11.27% | 11.27% | 12.16% | 10.14% | $1.87B |
| Q3 2024 | 11.72% | 11.72% | 12.55% | 10.26% | $1.87B |
| Q4 2024 | 12.07% | 12.07% | 12.97% | 10.64% | $1.87B |
| Q1 2025 | 11.55% | 11.55% | 12.52% | 10.62% | $1.95B |
| Q2 2025 | 11.09% | 11.09% | 12.04% | 10.22% | $2.03B |
| Q3 2025 | 11.94% | 11.94% | 12.90% | 11.15% | $2.08B |
| Q4 2025 | 12.30% | 12.30% | 13.31% | 11.18% | $2.08B |
| Q1 2026 | 12.19% | 12.19% | 13.25% | 11.21% | $2.14B |
| Q2 2026 | 12.30% | 12.30% | 13.39% | 11.12% | $2.14B |
Coastal States Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Coastal States Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Coastal States Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57756) · FFIEC NIC profile (RSSD 3274709)