# COASTAL CAROLINA NB
MYRTLE BEACH, SC · FDIC certificate 58864 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $1.35B | |
| Deposits | $1.22B | |
| Loans and leases | $987.8M | |
| Total equity | $122.3M | |
| Loans / deposits | 79.88% (p33 of band) | 87.10% |
| Liquid assets / assets | 24.31% (p62 of band) | |
| Uninsured deposits / deposits | 27.91% (p41 of band) | 30.76% |
| Brokered deposits | 16.04% | |
| Wholesale funding | 16.11% (p83 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.38% (p21 of band) | 10.50% |
| Unrealized securities loss / equity | -4.68% (p66 of band) | -7.75% |
| AOCI / equity | -0.14% (p62 of band) | |
| ROA (annualized) | 1.05% (p34 of band) | 1.26% |
| Net interest margin | 3.60% (p43 of band) | 3.70% |
| Efficiency ratio | 59.17% (p51 of band) | |
| Noncurrent loans | 0.00% (p2 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p18 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 86% | |
| Construction % of loans | 62.71% (p65 of band) | |
| Auto loans | $1.5M (0.15% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 12.9% | |
| Employees | 129 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, expense ratio p90, NIM <2.5% |  |
| 2011-06 | 2 |  | NIM <2.5% |
| 2011-09 | 3 | capital falling |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 3 |  |  |
| 2012-06 | 2 |  | capital falling |
| 2012-09 | 1 |  | losing money |
| 2012-12 | 2 | capital falling |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 1 |  | expense ratio p90 |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 0 |  | capital falling |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | capital falling |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | capital falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | capital falling |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 1 | construction >100% equity |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 3 | uninsured deposits >50%, run vulnerability |  |
| 2023-06 | 4 | brokered >10%, capital falling, uninsured deposits leaving | uninsured deposits >50%, run vulnerability |
| 2023-09 | 3 |  | brokered >10% |
| 2023-12 | 2 | brokered >10% | construction >100% equity, capital falling |
| 2024-03 | 3 | wholesale funding >15% |  |
| 2024-06 | 3 | capital falling | uninsured deposits leaving |
| 2024-09 | 3 |  |  |
| 2024-12 | 2 |  | capital falling |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 1 |  | wholesale funding >15% |
| 2026-03 | 2 | wholesale funding >15% |  |
| 2026-06 | 2 |  |  |

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

- 2024-06-05 [US banks filed to close 10 branches in just one week - dailymail.com](https://news.google.com/rss/articles/CBMitgFBVV95cUxPOXRmNEpQSUxmaUZyMk9zVGhzYkFUX2lpYUtSMjBMZ3hxbEZUUUpmTVZmalNjb0Z3YUZfWWlCV1RaUzhvSllEQUJYQy1yNDc3dTNoWllRYVc3S2lWRTNPVGd4X19LRHRhVUtIN0t5d1JuQmpXUGVVaFNaaUtJUlU2d3NEWTZtVHA5ZGxZY3BsOERyVXRZeTBxQVpQNmZWeGNFNHd5LUFIdXBEUnpQOGtNUTdIQ3E1UQ?oc=5) · dailymail.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58864 (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/48.json (key "58864", 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