Coastal Carolina National Bank: how it compares with its peers
Against 17 SC banks with half to twice its assets, Coastal Carolina National Bank's strongest measure in Q2 2026 is assets per employee ($10.5M vs. a $8.1M peer median). Its weakest relative measure is return on assets (1.05% vs. 1.21%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.05% | 1.21% | Bottom third Ahead of 24% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.60% | 3.59% | Middle third Ahead of 53% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 59.17% | 59.18% | Middle third Ahead of 59% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.5M | $8.1M | Top third Ahead of 71% of peers |
| Loans to deposits Net loans and leases over total deposits. | 79.88% | 82.29% | Context |
What it means for lending operations
Its efficiency ratio of 59.17% is better than the 59.18% 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 Capital Bank Charleston, SC · $1.32B
- Security Federal Bank Aiken, SC · $1.54B
- The Citizens Bank Olanta, SC · $1.14B
- First Reliance Bank Florence, SC · $1.13B
- First Palmetto Bank Camden, SC · $1.10B
- Bank of Travelers Rest Travelers Rest, SC · $1.60B
Questions about Coastal Carolina National Bank
How big is Coastal Carolina National Bank?
Coastal Carolina National Bank, established in 2009, is headquartered in Myrtle Beach, SC. It reported $1.35B in total assets in its Q2 2026 FDIC call report and operates 16 offices.
What is Coastal Carolina National Bank's return on assets?
1.05% annualized in Q2 2026, against a 1.21% median for 17 SC banks with half to twice its assets, ahead of 24% of them.
What is Coastal Carolina National Bank's efficiency ratio?
59.17% in Q2 2026: it spent about 59 cents in noninterest expense for each dollar of revenue. The peer median is 59.18%, and lower is better.
Is Coastal Carolina National Bank growing its loans?
Net loans grew 12.0% over the year to Q2 2026, while deposits grew 12.9%.
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.