Coastal States Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Coastal States Bank of Hilton Head Island, SC against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.25% | 1.46% | -0.21% | 47th below |
| ROAE | 11.38% | 12.72% | -1.34% | 44th below |
| Net Interest Margin | 3.65% | 3.85% | -0.20% | 46th below |
| Efficiency Ratio Behind the peer average, ahead of the median peer. | 57.90% | 57.41% | +0.49% | 51st above |
| PPNR / Avg Assets | 1.61% | 1.88% | -0.27% | 42nd below |
| Yield on Earning Assets | 5.92% | 5.72% | +0.20% | 73rd above |
| Cost of Funds | 2.48% | 2.02% | +0.46% | 22nd bottom |
| Net Interest Spread | 2.98% | 3.18% | -0.20% | 44th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.95% | 1.00% | -0.05% | 34th below |
| NPA / Total Assets | 0.76% | 0.76% | +0.00% | 34th below |
| NCO / Avg Loans | 0.01% | 0.43% | -0.42% | 66th above |
| ACL / Total Loans | 1.03% | 1.31% | -0.28% | 34th below |
| ACL / NPLs (Coverage) | 108.16% | 543.77% | -435.61% | 33rd below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.63% | 7.39% | -0.76% | 37th below |
| Provision / NCO | 1727.27% | 617.37% | +1109.90% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.30% | 17.34% | -5.04% | 30th below |
| Tier 1 Ratio | 12.30% | 17.37% | -5.07% | 29th below |
| Total Capital Ratio | 13.39% | 18.42% | -5.03% | 30th below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.12% | 11.44% | -0.32% | 62nd above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.82% | 11.34% | -0.52% | 58th above |
| TCE / Tangible Assets | 10.63% | 10.50% | +0.13% | 66th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 93.93% | 86.95% | +6.98% | 33rd below |
| Core Deposit Ratio | 79.65% | 85.56% | -5.91% | 20th bottom |
| Uninsured Deposit Ratio | 40.43% | 33.12% | +7.31% | 26th below |
| Wholesale Funding Ratio | 3.10% | 5.71% | -2.61% | 56th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 9.02% | 9.68% | -0.66% | 72nd above |
| Loan Growth (Y/Y) | 11.07% | 8.05% | +3.02% | 76th top |
| Deposit Growth (Y/Y) | 4.28% | 7.87% | -3.59% | 47th below |
See Coastal States Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Coastal States Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Coastal States Bank profile, how to read a UBPR, or how this data updates.