What is Coastal States Bank's financial health grade?

Coastal States Bank has a TFS Financial Health Grade of C (score: 75.1/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Coastal States Bank have?

Coastal States Bank has 11 branch locations across the United States.

Is Coastal States Bank FDIC insured?

Yes, Coastal States Bank is FDIC insured (Certificate #57756).

What are the total assets of Coastal States Bank?

Coastal States Bank has total assets of $2.3B as reported in its most recent FDIC filing.

Coastal States Bank

BankHilton Head Island, South Carolina

www.coastalstatesbank.com

Total Assets

$2.3B

Total Deposits

$2.0B

Branches

Established

2004

TFS Health Grade

75.1 / 100

Average financial health

How we grade

Coastal States Bank is a bank headquartered in Hilton Head Island, South Carolina, established in 2004. With $2.3B in total assets and 11 branch locations, it has a TFS Financial Health Grade of C (75.1/100).

Capital & Safety

Tier 1 Capital Ratio

11.18%(8%)

Total Capital Ratio

13.31%(10%)

Non-Performing Loan Ratio

1.02%

Profitability

Return on Assets (ROA)

1.17%(1%)

Return on Equity (ROE)

11.12%(10%)

Net Interest Margin

3.62%

Efficiency Ratio

56.99%(60%)

Lending & Liquidity

Total Loans

$1.8B

Loan-to-Deposit Ratio

88.91%

Net Charge-Off Ratio

0.02%

Growth

Asset Growth (YoY)

+9.90%

Deposit Growth (YoY)

+8.38%

Net Income

$25.8M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Coastal States BankHQ	5 Bow Cir	Hilton Head Island	SC	11
Coastal States Bank	3000 Summit Pl	Alpharetta	GA	11
Coastal States Bank	2841 Akers Mill Rd Se	Atlanta	GA	11
Coastal States Bank	6160 Roswell Rd	Atlanta	GA	11
Coastal States Bank	5835 Bethelview Rd	Cumming	GA	11
Coastal States Bank	70 Carlisle Rd	Dawsonville	GA	11
Coastal States Bank	339 Martin Luther King Jr Blvd	Savannah	GA	11
Coastal States Bank	1029 Boundary St	Beaufort	SC	11
Coastal States Bank	32 William Pope Dr	Bluffton	SC	11
Coastal States Bank	7 Thurmond Way	Bluffton	SC	11
Coastal States Bank	98 N Main St	Hilton Head Island	SC	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.