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Coastal States Bank
Hilton Head Island, SC · FDIC Certificate #57756 · Chartered 08/0
Total assets
$2.42B
Total deposits
$2.05B
Total equity
$261.57M
Net loans
$1.91B
Branches (offices)
11
Net income (YTD)
$13.82M
Rank: #514 of 4,213 U.S. banks by assets · #3 of 43 in South Carolina. Assets changed 9.0% and deposits 4.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.17% |
| Return on equity | 10.69% |
| Net interest margin (YTD) | 3.64% |
| Equity to assets | 10.82% |
| Tier 1 leverage ratio | 11.12% |
| Uninsured deposits (share of deposits) | 40.4% |
| Noncurrent loans (share of loans) | 0.95% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 93.0% |
| Real estate loans (share of loans) | 71.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.36B | 71.4% | |
| Commercial & industrial | $208.64M | 10.9% | |
| Consumer / individual | $356.70M | 18.7% | |
| Construction & development | $160.37M | 8.4% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.71B | $1.51B | $8.90M | $133.41M |
| Jun 2023 | $1.96B | $1.76B | $13.47M | $166.34M |
| Jun 2024 | $2.11B | $1.81B | $9.10M | $202.74M |
| Jun 2025 | $2.22B | $1.97B | $11.59M | $220.71M |
| Jun 2026 | $2.42B | $2.05B | $13.82M | $261.57M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| South Carolina | $1.19B | 5 |
| Georgia | $867.33M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.05B.
Similar-sized banks
Peoples Bank ($2.42B) · First United Bank ($2.41B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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