Coastal States Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) climbed 16.06 percentage points in Q2 2026, from 224.70% to 240.76%. It was the largest change from Q1 2026 among the key lines here. Within South Carolina, Coastal States Bank is 7th of 44 on loan-to-deposit ratio, 93.93% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Coastal States Bank sits 5.73 points higher, at 93.93% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.93B |
| Net loans and leases | $1.91B |
| Loans held for sale | $223.1M |
| Loans to total assets | 79.75% |
| Loan-to-deposit ratio | 93.93% |
| Net loans to equity capital | 7.30% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 38.02% |
| Multifamily (5+ residential) | 2.81% |
| Commercial and industrial | 10.82% |
| Consumer | 18.50% |
| Credit cards | 0.00% |
| Farm | 0.03% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 240.76% |
| Construction concentration (Tier 1 capital + allowance) | 56.67% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.34% |
| Interest income on loans | $29.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.48B | $1.79B | 40.13% | 14.81% | 20.99% |
| Q4 2023 | $1.50B | $1.75B | 39.17% | 15.32% | 20.34% |
| Q1 2024 | $1.51B | $1.75B | 39.11% | 14.16% | 20.06% |
| Q2 2024 | $1.60B | $1.81B | 37.48% | 13.44% | 20.45% |
| Q3 2024 | $1.60B | $1.81B | 35.78% | 13.15% | 19.86% |
| Q4 2024 | $1.58B | $1.84B | 39.49% | 13.47% | 18.89% |
| Q1 2025 | $1.66B | $1.94B | 38.70% | 12.74% | 19.22% |
| Q2 2025 | $1.74B | $1.97B | 37.51% | 11.70% | 19.46% |
| Q3 2025 | $1.78B | $1.95B | 35.93% | 11.69% | 19.92% |
| Q4 2025 | $1.79B | $1.99B | 37.36% | 11.83% | 19.79% |
| Q1 2026 | $1.83B | $2.06B | 37.82% | 11.32% | 19.09% |
| Q2 2026 | $1.93B | $2.05B | 38.02% | 10.82% | 18.50% |
Coastal States Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Coastal States Bank, freeSource: Call Report Schedule RC-C, 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)