Coastal States Bank (FDIC #57756): Bank Stress & Real-Estate Credit Exposure

Coastal States Bank (FDIC Cert #57756): bank stress 64/100, elevated, STABLE over 7 days; parent COASTALSOUTH BANCSHARES INC.

Coastal States Bank (#57756) lends in 6 counties across 2 states; Coastal States Bank (#57756) reaches 112 ZIP codes: Georgia 5 counties, 96 ZIPs; South Carolina 1 county, 16 ZIPs.

Coastal States Bank (#57756) largest markets: Fulton County, GA (96 branches, 48 ZIPs) (#57756), Cobb County, GA (25 branches, 25 ZIPs) (#57756), Beaufort County, SC (80 branches, 16 ZIPs) (#57756), Chatham County, GA (15 branches, 15 ZIPs) (#57756), Forsyth County, GA (10 branches, 10 ZIPs) (#57756), Dawson County, GA (5 branches, 5 ZIPs) (#57756).

Coastal States Bank (#57756) reports $2.42 billion in total assets; Coastal States Bank (#57756) equity $261.6 million (10.8% of Coastal States Bank (#57756) assets); Coastal States Bank (#57756) domestic deposits $2.05 billion; Coastal States Bank (#57756) net income $13.8 million; Coastal States Bank (#57756) return on assets 1.17%; Coastal States Bank (#57756) return on equity 10.69%; Coastal States Bank (#57756) net interest income $40.4 million; Coastal States Bank (#57756) call report June 30, 2026.

Coastal States Bank (#57756) noncurrent real-estate loans: none reported; Coastal States Bank (#57756) net charge-offs on real estate 1.09%; Coastal States Bank (#57756) residential charge-offs 1.34%.

Coastal States Bank (#57756) net interest margin 3.64% against an eight-quarter Coastal States Bank (#57756) average of 3.54% (Coastal States Bank (#57756) compression -0.10 points); Coastal States Bank (#57756) non-residential real estate 133.8% of equity; Coastal States Bank (#57756) rate-exposure score 40/100, Coastal States Bank (#57756) fixed-rate trap 40/100; Coastal States Bank (#57756) risk type credit driven; Coastal States Bank (#57756) rate regime rates elevated, Coastal States Bank (#57756) snapshot October 19, 2026.

Coastal States Bank (#57756) stress score moved from 63.3 on June 22, 2026 to 64.2 on October 19, 2026; Coastal States Bank (#57756) ranged 63.3 to 64.2 over 116 snapshots.

Coastal States Bank (#57756) alerts: 5 counties; top Coastal States Bank (#57756) alert scores: Atlanta County, SC 22 (low); Cumming County, SC 22 (low); Dawsonville County, SC 22 (low); Okatie County, SC 22 (low); Savannah County, SC 22 (low).