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CoastalSouth Bancshares
CoastalSouth Bancshares (COSO) investor relations material
CoastalSouth Bancshares Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary20 Jan, 2026
Executive summary
Achieved record annual net income of $24.9 million and pre-tax pre-provision net revenue (PPNR) of $34.3 million, up 23.6% year-over-year.
Total assets reached $2.31 billion and total loans at $1.79 billion as of Q4 2025.
Strategic expansion into Charleston, SC, leveraging a branch-light model and experienced local bankers.
Joined NYSE in July 2025 with a $50.3 million IPO, supporting further expansion.
Fourth quarter net income was $7.1 million ($0.58 per diluted share), up from $6.7 million in Q3 and $5.7 million in Q4 2024.
Financial highlights
Q4 2025 diluted EPS was $0.58, up from $0.54 in Q3 2025 and $0.47 in Q4 2024.
Net interest margin improved to 3.60% in Q4 2025, with net interest income rising $0.7 million sequentially to $19.9 million.
Efficiency ratio improved to 55.3% in Q4 2025, down 35 bps from Q3 2025.
Book value per share increased to $21.66, up 14.23% annualized from Q3.
Total deposits grew 8.3% year-over-year to $1.99 billion.
Outlook and guidance
Targeting $100 million in loan and deposit growth in Charleston, SC, over three years.
Management expects continued loan and deposit growth, supported by the Charleston market expansion.
Regulatory capital ratios remain strong, supporting additional balance sheet expansion.
Forward-looking statements caution about economic, regulatory, and market uncertainties.
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Next CoastalSouth Bancshares earnings date
Q1 202620 Apr, 2026
CoastalSouth Bancshares
Next CoastalSouth Bancshares earnings date
Q1 202620 Apr, 2026
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Frequently asked questions
CoastalSouth Bancshares, Inc. is a U.S.-based bank holding company that operates through its subsidiary, Coastal States Bank. The bank provides a range of financial services tailored to individuals, small businesses, and commercial clients, including checking and savings accounts, loans, mortgages, and treasury management services. Focused on community banking, Coastal States Bank operates in select markets in Georgia, South Carolina, and North Carolina, offering personalized banking solutions to support local economic development. The company is headquartered in Hilton Head Island, South Carolina, and its shares are traded on the OTC Markets.
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