TellerScore

Headquartered in Myrtle Beach, South Carolina, Coastal Carolina National Bank is a national bank with $1.4B in total assets and $1.2B in deposits as of Q2 2026. It operates 16 offices across 2 states. Its charter dates back to 2009.

Coastal Carolina National Bank has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than 63% of its 897 banks with $1 billion – $10 billion. Among 44 banks headquartered in South Carolina, it ranks 24th. Loan quality contributes the most (100/100, 0.00%); capital cushion contributes the least (44/100, 9.38%).

TellerScore · Q2 2026

Scorecard

Capital cushion44/100
Tier 1 leverage ratio: 9.38%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings62/100
Return on assets (annualized): 1.05%
Funding & liquidity66/100
Loans ÷ deposits and uninsured-deposit share: 79.9% · 27.9% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (69 → 71), mostly because the earnings component improved by 4 points.

TellerScore
687071Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202468
Q4 202468
Q1 202568
Q2 202569
Q3 202568
Q4 202570
Q1 202671
Q2 202671
Tier 1 leverage ratio
5.00%7.27%9.53%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.91%
Q3 20248.55%
Q4 20248.79%
Q1 20259.04%
Q2 20259.09%
Q3 20258.67%
Q4 20259.50%
Q1 20269.53%
Q2 20269.38%
Noncurrent loans
0.00%0.01%0.02%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.02%
Q2 20260.00%
Return on assets
0.82%0.97%1.12%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.82%
Q3 20240.85%
Q4 20240.91%
Q1 20250.95%
Q2 20250.96%
Q3 20251.01%
Q4 20251.03%
Q1 20261.12%
Q2 20261.05%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$1.4B9.38%0.00%1.05%79.9%
Q1 202671$1.3B9.53%0.02%1.12%83.1%
Q4 202570$1.3B9.50%0.00%1.03%80.9%
Q3 202568$1.2B8.67%0.00%1.01%82.1%
Q2 202569$1.2B9.09%0.00%0.96%80.5%
Q1 202568$1.1B9.04%0.00%0.95%85.1%
Q4 202468$1.1B8.79%0.00%0.91%83.7%
Q3 202468$1.1B8.55%0.00%0.85%80.7%
Q2 202469$1.1B8.91%0.00%0.82%80.6%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.38%
21st
Total risk-based capital14.21%
57th
Problem loans0.00%
98th
Net charge-offs0.00%
82nd
Return on assets1.05%
34th
Net interest margin3.60%
43rd
Efficiency ratio59.2%
49th
Loans to deposits79.9%
67th
Uninsured deposits27.9%
59th
Loan-loss reserves1.12%
46th
Texas ratio0.0%
98th

Similar-size banks in South Carolina

InstitutionScoreAssetsCapitalProblem loansCompare
First Capital BankBank Charleston, SC68 out of 100, Moderate$1.3B9.6%0.10%vs
Security Federal BankBank Aiken, SC69 out of 100, Moderate$1.5B10.8%0.85%vs
The Citizens BankBank Olanta, SC74 out of 100, Strong$1.1B9.9%0.18%vs
First Reliance BankBank Florence, SC71 out of 100, Strong$1.1B10.5%0.07%vs
First Palmetto BankBank Camden, SC71 out of 100, Strong$1.1B9.4%0.15%vs
Bank of Travelers RestBank Travelers Rest, SC79 out of 100, Strong$1.6B10.3%0.12%vs

Deposit insurance

Is my money safe at Coastal Carolina National Bank?

Yes. Coastal Carolina National Bank is an FDIC-insured institution (FDIC certificate #58864). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 27.9% of deposits ($341.3M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.38%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.21% (benchmark: 10%).

Check how much of your own balance is covered

16 locations

Branches

Coastal Carolina National Bank lists 16 offices in 13 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Coastal Carolina National Bank
Type
National bank
FDIC certificate #
58864
RSSD ID
3821822
Primary regulator
OCC
Holding company
Coastal Carolina Bancshares
Established
June 8, 2009
Headquarters
1012 38th Ave N, Myrtle Beach, SC 29577
Employees
129

Quick answers

Coastal Carolina National Bank: common questions

Is Coastal Carolina National Bank FDIC insured?

Yes. Coastal Carolina National Bank is an FDIC-insured institution (FDIC certificate #58864). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Coastal Carolina National Bank's TellerScore?

71 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Coastal Carolina National Bank ever failed?

There is no failure record for FDIC certificate #58864 in the FDIC failed bank list.

How many branches does Coastal Carolina National Bank have?

16 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Myrtle Beach

InstitutionScoreAssetsCapitalProblem loansCompare
Georgetown Kraft Credit UnionCredit union Georgetown, SC87 out of 100, Very strong$191.9M18.7%0.95%vs
Carolina Bank & Trust Co.Bank Lamar, SC83 out of 100, Strong$844.6M13.5%0.41%vs
Santee Cooper Credit UnionCredit union Moncks Corner, SC82 out of 100, Strong$95.9M15.0%0.97%vs
The Conway National BankBank Conway, SC79 out of 100, Strong$2.0B10.2%0.02%vs
United BankBank Fairfax, VA74 out of 100, Strong$33.6B11.6%0.44%vs
The Citizens BankBank Olanta, SC74 out of 100, Strong$1.1B9.9%0.18%vs