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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southeast · South Carolina, the state note

Coastal States Bank

Hilton Head Island, South Carolina · $2.42B in assets · beside the 11 other South Carolina banks between $1B and $3B

The filing

10.8%
Equity / assets
1st of 12
0.95%
NPA / loans
12th of 12
1.1x
Coverage of noncurrent
11th of 11

Coastal States Bank is the largest of the 12 South Carolina banks between $1B and $3B, with $2.42B in assets at 30 June 2026. Loans are 93.9% of deposits, 11th of 12 against a median of 80.5%, and equity is 10.8% of assets, the highest in the cohort. Loans grew +11.1% in the year, 5th of 12, and deposits grew 4.3%; the cohort's median loan growth is +7.4%.

Noncurrent loans are 0.95% of the book, the highest in the cohort against a median of 0.11%; 0.52% is 30 to 89 days past due, and the allowance covers them 1.1 times. Commercial real estate is 35.3% of loans, 6th of 12 against a median of 35.8%, and 238% of capital, below the 300% screen, with construction at 56% against the 100% screen.

Return on assets is 1.16%, 8th of 12 against a median of 1.20%, on an efficiency ratio of 58.8%, 4th of 12. Five years ago it was 1.11%. The question is which of these lines moves first over the next four quarters, and against which peer.

Nonperforming loans, share of loansSC banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 0.11% CC Coastal Carolina National Bank 0.00% SA South Atlantic Bank 0.01% CN Conway National Bank 0.02% FC First Community Bank 0.05% FR First Reliance Bank 0.07% FC First Capital Bank 0.10% Bo Bank of Travelers Rest 0.12% FP First Palmetto Bank 0.15% CB Citizens Bank 0.18% AB Anderson Brothers Bank 0.59% SF Security Federal Bank 0.85% CS Coastal States Bank 0.95%
Loans, year over yearSC banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +7.4% FC First Community Bank +25.1% FC First Capital Bank +22.0% AB Anderson Brothers Bank +13.7% CC Coastal Carolina National Bank +12.1% CS Coastal States Bank +11.1% SA South Atlantic Bank +7.6% CB Citizens Bank +7.1% Bo Bank of Travelers Rest +5.0% FR First Reliance Bank +4.9% FP First Palmetto Bank +4.4% CN Conway National Bank +3.6% SF Security Federal Bank -1.5%

SBA 7(a), FY2008 to FY2026

Coastal States Bank is the 17th largest 7(a) lender into Georgia of 409, with $267M across 304 loans, 1.4% of everything approved in the state (Metro City Bank leads with $1.91B). 164 of its 205 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Georgia, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Fulton, GA$71M10th of 2112.2%-0.1 pts
Dekalb, GA$33M11th of 1512.1%-1.6 pts
Cobb, GA$31M16th of 1821.8%quiet FY2022
El Paso, TX$25M6th of 984.4%-9.8 pts
Gwinnett, GA$18M35th of 1690.8%thin
Maricopa, AZ$10M78th of 3030.1%thin
Jefferson, AL$10M25th of 1281.4%quiet FY2021
Chatham, GA$9M22nd of 1211.2%quiet FY2022
Clayton, GA$8M14th of 932.1%quiet FY2017
Orange, FL$8M57th of 2010.4%quiet FY2014
Cherokee, GA$8M23rd of 1171.3%thin
Forsyth, GA$8M27th of 1201.1%+0.6 pts
Wake, NC$8M46th of 1810.4%thin
192 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services218$186M31.9%0.24%94th of 2,596
Health care & social assistance66$114M19.7%0.24%63rd of 2,172
Retail trade79$67M11.5%0.11%147th of 2,589
Other services53$37M6.4%0.11%156th of 2,248
Arts, entertainment & recreation25$33M5.7%0.23%81st of 1,656
7(a) lenders into Georgia, share of approvals since FY2008409 lenders on record; the ten largest and Coastal States Bank
MC Metro City Bank 9.6% $1.91B · 1,541 loans LO Live Oak Banking Company 4.9% $963M · 746 loans TH The Huntington National Bank 4.2% $835M · 1,424 loans AB Ameris Bank 4.0% $792M · 980 loans SB Southstate Bank, National Associa… 3.3% $661M · 785 loans TB Truist Bank 3.3% $654M · 1,625 loans PB Pinnacle Bank 3.1% $618M · 592 loans RB Renasant Bank 3.0% $597M · 783 loans HB Hometrust Bank 2.6% $515M · 441 loans WF Wells Fargo Bank National Associa… 2.5% $500M · 2,514 loans CS Coastal States Bank 1.3% $267M · 304 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 1 CBLR filer; owner-occupied excluded; bold marks a screen met
Coastal States BankRankCohort median
Total CRE against capital, the 300% screen238%6th of 12252%
Construction against capital, the 100% screen56%5th of 1258%
Construction and land development, share of loans8.3%4th of 129.7%
Non-owner-occupied nonfarm nonresidential, share of loans24.2%8th of 1222.2%
Total CRE, the guidance definition, share of loans35.3%6th of 1235.8%
CRE growth over 36 months, the third prong+11.8%3rd of 12+24.6%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Coastal States Bank$2.42B1.2%58.8%0.95%0.01%1.0%93.9%10.8%
First Community Bank$2.38B1.2%63.7%0.05%0.00%1.2%78.3%9.9%
Anderson Brothers Bank$2.38B1.5%59.2%0.59%0.90%1.6%88.2%8.7%
Conway National Bank$2.00B1.4%47.9%0.02%0.05%1.1%51.9%9.8%
South Atlantic Bank$1.98B1.1%59.2%0.01%0.00%0.9%92.0%8.6%
Bank of Travelers Rest$1.60B1.6%59.0%0.12%0.10%1.3%64.8%9.2%
Security Federal Bank$1.54B0.9%70.4%0.85%0.06%2.0%50.8%9.8%
Coastal Carolina National Bank$1.35B1.0%59.2%0.00%0.00%1.1%80.8%9.1%
First Capital Bank$1.32B1.1%53.3%0.10%0.00%1.0%98.4%9.3%
Citizens Bank$1.14B1.2%64.1%0.18%0.05%1.3%63.3%10.7%
First Reliance Bank$1.13B1.2%66.4%0.07%0.00%1.1%91.0%10.1%
First Palmetto Bank$1.10B1.4%54.8%0.15%0.03%1.5%80.2%9.2%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Coastal States BankCohort median
20212026Change20212026Change
Loans$866M$1.93B+123%$576M$955M+66%
Deposits$1.12B$2.05B+84%$1.03B$1.39B+36%
NPA / loans0.32%0.95%+0.63 pts0.29%0.11%-0.18 pts
Efficiency63.4%58.8%-4.6 pts65.6%59.2%-6.5 pts
ROA1.11%1.16%+0.05 pts1.05%1.20%+0.15 pts

This read was prepared for Coastal States Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Coastal States Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort SC banks $1B to $3B
Institution www.coastalstatesbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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