Coastal States Bank: how it compares with its peers
Against 9 SC banks with half to twice its assets, Coastal States Bank's strongest measure in Q2 2026 is net interest margin (3.64% vs. a 3.31% peer median). Its weakest relative measure is return on assets (1.17% vs. 1.14%).
| Measure | Coastal States Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.17% | 1.14% | Middle third Ahead of 56% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.64% | 3.31% | Top third Ahead of 89% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 58.63% | 59.17% | Top third Ahead of 67% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $12.0M | $9.3M | Top third Ahead of 78% of peers |
| Loans to deposits Net loans and leases over total deposits. | 92.97% | 79.88% | Context |
What it means for lending operations
Its efficiency ratio of 58.63% is better than the 59.17% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- First Community Bank Lexington, SC · $2.38B
- Anderson Brothers Bank Mullins, SC · $2.38B
- The Conway National Bank Conway, SC · $2.00B
- South Atlantic Bank Myrtle Beach, SC · $1.98B
- Bank of Travelers Rest Travelers Rest, SC · $1.60B
- Security Federal Bank Aiken, SC · $1.54B
Questions about Coastal States Bank
How big is Coastal States Bank?
Coastal States Bank, established in 2004, is headquartered in Hilton Head Island, SC. It reported $2.42B in total assets in its Q2 2026 FDIC call report and operates 12 offices.
What is Coastal States Bank's return on assets?
1.17% annualized in Q2 2026, against a 1.14% median for 9 SC banks with half to twice its assets, ahead of 56% of them.
What is Coastal States Bank's efficiency ratio?
58.63% in Q2 2026: it spent about 59 cents in noninterest expense for each dollar of revenue. The peer median is 59.17%, and lower is better.
Is Coastal States Bank growing its loans?
Net loans grew 11.0% over the year to Q2 2026, while deposits grew 4.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are SC banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every South Carolina bank ranked.