TellerScore

Coastal States Bank (FDIC certificate #57756) is based in Hilton Head Island, South Carolina. Its Q2 2026 call report shows $2.4B in total assets and $2.1B in deposits and 12 offices across 2 states.

Based on its Q2 2026 filing, Coastal States Bank scores 63/100, which we describe as moderate. That is higher than only 30% of 897 banks with $1 billion – $10 billion. Among 44 banks headquartered in South Carolina, it ranks 38th. Its strongest component is problem-loan coverage (87/100; 6.5%), and its lowest is funding & liquidity (39/100; 93% loans-to-deposits, 40% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion61/100
Tier 1 leverage ratio: 11.12%
Loan quality68/100
Noncurrent loans ÷ total loans: 0.95%
Earnings67/100
Return on assets (annualized): 1.17%
Funding & liquidity39/100
Loans ÷ deposits and uninsured-deposit share: 93.0% · 40.4% uninsured
Problem-loan coverage87/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 6.51%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (62 → 63).

TellerScore
626466Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202465
Q4 202463
Q1 202563
Q2 202562
Q3 202566
Q4 202564
Q1 202664
Q2 202663
Tier 1 leverage ratio
5.00%8.11%11.21%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.14%
Q3 202410.26%
Q4 202410.64%
Q1 202510.62%
Q2 202510.22%
Q3 202511.15%
Q4 202511.18%
Q1 202611.21%
Q2 202611.12%
Noncurrent loans
0.53%0.78%1.02%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.55%
Q3 20240.53%
Q4 20240.95%
Q1 20250.88%
Q2 20250.85%
Q3 20250.80%
Q4 20251.02%
Q1 20260.99%
Q2 20260.95%
Return on assets
0.88%1.03%1.17%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.88%
Q3 20241.11%
Q4 20241.12%
Q1 20251.00%
Q2 20251.07%
Q3 20251.14%
Q4 20251.17%
Q1 20261.11%
Q2 20261.17%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202663$2.4B11.12%0.95%1.17%93.0%
Q1 202664$2.3B11.21%0.99%1.11%87.9%
Q4 202564$2.3B11.18%1.02%1.17%88.9%
Q3 202566$2.3B11.15%0.80%1.14%90.5%
Q2 202562$2.2B10.22%0.85%1.07%87.3%
Q1 202563$2.2B10.62%0.88%1.00%84.7%
Q4 202463$2.1B10.64%0.95%1.12%85.3%
Q3 202465$2.1B10.26%0.53%1.11%87.8%
Q2 202463$2.1B10.14%0.55%0.88%87.5%

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 ratio11.12%
62nd
Total risk-based capital13.39%
47th
Problem loans0.95%
28th
Net charge-offs0.01%
68th
Return on assets1.17%
43rd
Net interest margin3.64%
46th
Efficiency ratio58.6%
51st
Loans to deposits93.0%
32nd
Uninsured deposits40.4%
26th
Loan-loss reserves1.03%
35th
Texas ratio6.5%
29th

Similar-size banks in South Carolina

InstitutionScoreAssetsCapitalProblem loansCompare
First Community BankBank Lexington, SC71 out of 100, Strong$2.4B9.3%0.05%vs
Anderson Brothers BankBank Mullins, SC69 out of 100, Moderate$2.4B9.3%0.59%vs
The Conway National BankBank Conway, SC79 out of 100, Strong$2.0B10.2%0.02%vs
South Atlantic BankBank Myrtle Beach, SC70 out of 100, Strong$2.0B9.4%0.01%vs
Bank of Travelers RestBank Travelers Rest, SC79 out of 100, Strong$1.6B10.3%0.12%vs
Security Federal BankBank Aiken, SC69 out of 100, Moderate$1.5B10.8%0.85%vs

Deposit insurance

Is my money safe at Coastal States Bank?

Yes. Coastal States Bank is an FDIC-insured institution (FDIC certificate #57756). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 40.4% of deposits ($830.0M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.12%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.39% (benchmark: 10%).

Check how much of your own balance is covered

12 locations

Branches

Coastal States Bank lists 11 offices in 8 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Coastal States Bank reported 73 home-loan applications under HMDA (LEI 549300EPUJMYHHCZPS30): 64 originated ($60,140,000 total), 0 denied, and 6 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Coastal States Bank
Former names
CoastalStates Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
57756
RSSD ID
3274709
Primary regulator
FED
Holding company
Coastalsouth Bancshares Inc
Established
August 9, 2004
Headquarters
5 Bow Cir, Hilton Head Island, SC 29928
Employees
201

Quick answers

Coastal States Bank: common questions

Is Coastal States Bank FDIC insured?

Yes. Coastal States Bank is an FDIC-insured institution (FDIC certificate #57756). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Coastal States Bank's TellerScore?

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

Has Coastal States Bank ever failed?

There is no failure record for FDIC certificate #57756 in the FDIC failed bank list.

How many branches does Coastal States Bank have?

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

Nearby

Highest-scoring banks and credit unions with branches near Hilton Head Island

InstitutionScoreAssetsCapitalProblem loansCompare
First Century Bank, National AssociationBank Commerce, GA90 out of 100, Very strong$831.6M16.8%0.00%vs
Workmen'S Circle Incorporated Credit UnionCredit union Savannah, GA90 out of 100, Very strong$135.0M20.8%0.00%vs
Carver State BankBank Savannah, GA89 out of 100, Very strong$111.2M15.0%0.37%vs
Palmetto State BankBank Hampton, SC88 out of 100, Very strong$597.5M14.8%0.12%vs
Core Credit UnionCredit union Statesboro, GA79 out of 100, Strong$151.6M12.8%0.37%vs
Membersfirst Credit UnionCredit union Decatur, GA76 out of 100, Strong$429.0M11.7%0.20%vs