Side-by-side · Q2 2026 data
Southern First Bank vs Coastal States Bank
Metric by metric
| Measure | Southern First Bank | Coastal States Bank |
|---|---|---|
| TellerScore | 59 | 63 (stronger) |
| Capital cushion | 39 | 61 (stronger) |
| Loan quality | 91 (stronger) | 68 |
| Earnings | 58 | 67 (stronger) |
| Funding & liquidity | 26 | 39 (stronger) |
| Problem-loan coverage | 94 (stronger) | 87 |
| Peer percentile | 19th | 30th |
| Total assets | $4.7B | $2.4B |
| Deposits / shares | $4.0B | $2.1B |
| Capital ratio | 8.89% | 11.12% (stronger) |
| Problem loans | 0.28% (stronger) | 0.95% |
| Net charge-offs | 0.01% | 0.01% (stronger) |
| Return on assets | 0.96% | 1.17% (stronger) |
| Loans ÷ deposits | 99.8% | 93.0% (stronger) |
| Uninsured deposits | 45.9% | 40.4% (stronger) |
| Offices | 12 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.6% | 0.0% |
Coastal States Bank has the higher TellerScore (63 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Southern First Bank leads on 1 and Coastal States Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.