# COASTAL STATES BANK
HILTON HEAD ISLA, SC · FDIC certificate 57756 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.42B | |
| Deposits | $2.05B | |
| Loans and leases | $1.93B | |
| Total equity | $261.6M | |
| Loans / deposits | 92.97% (p68 of band) | 87.10% |
| Liquid assets / assets | 15.80% (p26 of band) | |
| Uninsured deposits / deposits | 40.43% (p74 of band) | 30.76% |
| Brokered deposits | 10.51% | |
| Wholesale funding | 13.61% (p76 of band) | |
| FHLB advances / assets | 3.10% | |
| Tier 1 leverage | 11.12% (p62 of band) | 10.50% |
| Unrealized securities loss / equity | -6.11% (p58 of band) | -7.75% |
| AOCI / equity | -0.48% (p37 of band) | |
| ROA (annualized) | 1.17% (p43 of band) | 1.26% |
| Net interest margin | 3.64% (p46 of band) | 3.70% |
| Efficiency ratio | 58.63% (p49 of band) | |
| Noncurrent loans | 0.95% (p72 of band) | 0.51% |
| Net charge-offs (annualized) | 0.01% (p33 of band) | |
| Reserve coverage of noncurrent | 108.16% | |
| Real estate % of loans | 71% | |
| Construction % of loans | 61.31% (p64 of band) | |
| Auto loans | $115,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 4.3% | |
| Employees | 201 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 8 | wholesale funding >15%, leverage <7%, losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 7 |  | construction >100% equity |
| 2011-09 | 7 |  |  |
| 2011-12 | 7 | loans exceed deposits | noncurrent p90 |
| 2012-03 | 3 |  | wholesale funding >15%, losing money, charge-offs p90, loans exceed deposits |
| 2012-06 | 3 | uninsured deposits leaving | expense ratio p90 |
| 2012-09 | 2 |  | uninsured deposits leaving |
| 2012-12 | 3 | wholesale funding >15% |  |
| 2013-03 | 4 | capital falling, expense ratio p90 | wholesale funding >15% |
| 2013-06 | 1 |  | leverage <7%, capital falling, expense ratio p90 |
| 2013-09 | 4 | noncurrent p90, deposits shrinking, assets shrinking |  |
| 2013-12 | 5 | expense ratio p90 |  |
| 2014-03 | 6 | losing money |  |
| 2014-06 | 5 | capital falling | deposits shrinking, assets shrinking |
| 2014-09 | 6 | wholesale funding >15% |  |
| 2014-12 | 7 | loans exceed deposits, leverage <7% | noncurrent p90 |
| 2015-03 | 5 |  | losing money, loans exceed deposits |
| 2015-06 | 4 |  | wholesale funding >15% |
| 2015-09 | 3 |  | capital falling |
| 2015-12 | 3 |  |  |
| 2016-03 | 2 |  | expense ratio p90 |
| 2016-06 | 3 | expense ratio p90 |  |
| 2016-09 | 4 | charge-offs p90 |  |
| 2016-12 | 3 |  | charge-offs p90 |
| 2017-03 | 5 | losing money, charge-offs p90 |  |
| 2017-06 | 7 | wholesale funding >15%, capital falling |  |
| 2017-09 | 5 |  | leverage <7%, capital falling |
| 2017-12 | 5 |  |  |
| 2018-03 | 5 | noncurrent p90 | wholesale funding >15% |
| 2018-06 | 7 | capital falling, assets shrinking |  |
| 2018-09 | 6 |  | assets shrinking |
| 2018-12 | 4 |  | noncurrent p90, capital falling |
| 2019-03 | 3 |  | losing money |
| 2019-06 | 3 |  |  |
| 2019-09 | 2 |  | charge-offs p90 |
| 2019-12 | 3 | capital falling |  |
| 2020-03 | 2 |  | expense ratio p90 |
| 2020-06 | 1 |  | reserve under noncurrent |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 2 | uninsured deposits >50%, charge-offs p90 |  |
| 2022-06 | 1 |  | charge-offs p90 |
| 2022-09 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-12 | 2 |  | securities losses >30% of equity |
| 2023-03 | 3 | brokered >10%, wholesale funding >15%, uninsured deposits leaving | uninsured deposits >50%, AOCI drag >20% of equity |
| 2023-06 | 2 |  | wholesale funding >15% |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 0 |  | brokered >10%, uninsured deposits leaving |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | brokered >10% |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 2 | capital falling |  |
| 2025-09 | 1 |  | capital falling |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-01-19 [Coastal States Bank Expands into Charleston, Announces Local Commercial Banking Team - Business Wire](https://news.google.com/rss/articles/CBMi1wFBVV95cUxONDVFQUVFVVhlM3VObkI1XzhJbjV5UFZxdUlnU2d6S0NHbkJEN01TZThNZFZmdzNnckFDM3VWV0hReUczcm9uZ2E2dVZKQkh0RkhTVDBVcDJnS00tQjZ3QUNfbW5UaWxJY2FnTDdSdm5RVnpQRDI5R1pGUGxIQ3dQd2ZNMXdDMk9SZ2FTN0x2YUl0SVM1WGJ3TENMTkVsLU5tQ1JKYkhEOWNES3BNRWtTM3Y3VVBGdGdzemZ1bVd6VWJQOEVMUGVHVUlQM1Z0cVJ6NERhQkZCNA?oc=5) · Business Wire
- 2026-01-21 [Hilton Head bank that went public last year plants a flag in Charleston - Post and Courier](https://news.google.com/rss/articles/CBMizAFBVV95cUxPa0pucnpaMGtaa1lqRE1uQmp0d1JTZ21LZ1N5R0JwMkJMWFlfdjNLWm9JMnd0VGQ1ODllNjE0RTNtc3pTeFE0VGMxblNYNmJTSms1M0JiRXE4YmlYaEYtSmhPTmIxSjJObFRwY2JzYUNXUHVzYjVLZndYYkZIdTN2dncxRmg0S190VE1DajJwVXpmYkV6Qng3Zm13NTZ2S0pWekFyd29WZmVjRTgwR3k5c2R0WVpza1cwOEVUN29QYjBWMEwxUnRxekRwYTM?oc=5) · Post and Courier
- 2026-01-07 [Coastal States Bank Celebrates Initial Public Offering and NYSE Listing of its Holding Company with Opening Bell Ceremony - Business Wire](https://news.google.com/rss/articles/CBMiigJBVV95cUxQbVlLSHJEWC1YWGlMZUlWYU1qV1JxME9EM2hLd25EdVllLTZkbi03NjhWVVp6T20zZVE1c0ZpdHAxSkJIMjlOTkxHWC0ycmNDdkNMVHg0d0taZFpuNFFrSlVzMGxPOWVfWTB2Z2J1R01tRGNDc3ZseTcyQnhEeFZSN2I2aERtU0UyS2J5N1E3aHpWUE1DazFOdURNS2RKa1VDRHM5azc5Y0lKUUpsN0RLZnZ1a010NGpuNEtXWmxtVGFValItN19nakM5ZTEzVXo0bXFMWDRBNUxVNDF5VlNoTWlkaDViOGMwa3ZUTUpELXZjMndiZlR0QVpPSjVlUHpwVElUeHltTG1pQQ?oc=5) · Business Wire
- 2026-05-04 [Coastal States Bank Announces Small Business Loan Program With 48-Hour Lending Decisions - Business Wire](https://news.google.com/rss/articles/CBMi3gFBVV95cUxNTndhVzlESUJWbUY2SzJ3WkVNemJ2MmRXMGJNUTlhYmtFdlZQR1RNU2RQZk9fZ3BpOFlJMTZ4WF9uNy1XZU9fV1gwMGZxbjZrbUxTcGFUMDhEenNoaUpOWks3bmRqTUgwMnpuRUdRZUxhdFI4bkR5aHRhelYzMHhldmRJekIxMTRTV3pOLVI3YnhueUk0UDNYbGRfajdGcDR4SnFHTjlOdUItOVNTMDl1OUt6NWxuem9vOHBmMDEwX25SdjRiZ2MtNlBBYUFWNXZ2YkVPVTl6bGVWd3Nkb0E?oc=5) · Business Wire
- 2026-01-07 [Hilton Head-founded bank CEO rings New York Stock Exchange bell - Hilton Head Island Packet](https://news.google.com/rss/articles/CBMickFVX3lxTE0yX0ZqUWtHNUFNWmFhU3AtYmU3WjZ1YlpHVzZ4LVZ3UUFNVUM0M0hmbTluMnhEQlV5VWlERE0xalNNbTIxYU1fZXhGdGJYMTdURG1KcmR3c3VuSy13UUhxMnlfOWcxVFdSZ2U5a1pxMGM5QdIBckFVX3lxTE5WLURwbF83QVpyY1ZvalNKaEpieDRoZTh5TDd6dEE3T0xtdmR3UGQ0aVVfZVpObnVBbFhIS01aS1QwZ2NTSk1rRmZKaEw2WTY0LXp0VGRQMXJZdEk0WnE1Y2F3dXhLOVNBczBMdE41c1diQQ?oc=5) · Hilton Head Island Packet
- 2026-08-21 [ROBERT MCLEAN announced by Coastal States Bank as Senior Vice President, Home Builder Banker - Savannah Business Journal](https://news.google.com/rss/articles/CBMiqgJBVV95cUxPX28xT25lTGZIekFkX3ctUUoyWWZKR0ZhUy13WUhYdWpoYmdfcjRRLTdaeHFSTm5sUEJDWVpnTkJ2ZkNmVkZGeWRDVWg3UDl2U254VU5IMHBQLVFlLXJxUXpoN2NCVnEwOUZDLVFvN0g1UHRDTWJLSGIyMUJaMFRkcjZvLVlfU25PWFpWOFBmcnJRU0R4VW9Ib09nNGNGLVk3R1JRTDB6ZHBUVFA5UUd0eE1xMXd0NjQxTlhGM0pZNEFJemFneDRjYWtVQ1JqMEJjMHMwdjItNWtFZlRUZmttUE5NbUV4NVh4dENUckpudm5IRkZpZVlNZ0JRNTVUSEdMbUFwdkd4S0hPMk55amxqb09Qd3BiMmtCdFNsMFR2UHhhcnFIcGNuVnBB?oc=5) · Savannah Business Journal
- 2026-04-23 [Coastal States Bank Announces Laurie Bak as Treasury Services Relationship Banker - Carriage Trade Public Relations](https://news.google.com/rss/articles/CBMirwFBVV95cUxNUVdwN1dlTkVDV3V5TXBnWDI2RlpiSjJCc1ZYSEF0WE1EVXNEVS16bW1wakppVmdqajl0N1A1SW01dVp2OGtuVi1sbFF5M0YxSFZodTRHb191WldGSmlHUTh3eUs5RFNRQmdRcmJtZzJDU1REXzQzVUhoeE9abjYyZ2hEcXNjVE5rZUR4S0p4akMzWXR6dUREV2I4dUJ2LXFYV3JScG9VYWZuYTJ4dDVF?oc=5) · Carriage Trade Public Relations
- 2024-06-10 [Gavin Shook joins Coastal States Bank as Commercial Banker - PR Newswire](https://news.google.com/rss/articles/CBMitAFBVV95cUxPUnloaGhhZUdzM2lNbjNmYXBRMmlWdThqVDlHQXFIS19wVW9NT093ZzJCLTJzWFYtbEJXeWdZWXo5blZBMWx3bTIwUjA1MkRlN3BpdXlCM0N0c045UzJCZXNFXzFHZ2xSZjdoVlFIaGt0cEJEaHBldWZBaUs4TDVtQmhXQnB3MVZZa1dqRVdVanhqbFV3SzJGanhqNmRybkpuQi1yYVdSUW1GV1ZsTnJBMjNSSVg?oc=5) · PR Newswire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57756 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/28.json (key "57756", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide