CoastalSouth Bancshares, Inc.
CoastalSouth Bancshares, Inc. (NYSE: COSO) is a bank holding company that operates through its wholly-owned subsidiary Coastal States Bank, a South Carolina state-chartered commercial bank. The company maintains its website at https://www.coastalstatesbank.com. From the company’s description.
Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.
What CoastalSouth Bancshares, Inc. does
In the company’s own words
CoastalSouth Bancshares, Inc. (NYSE: COSO) is a bank holding company that operates through its wholly-owned subsidiary Coastal States Bank, a South Carolina state-chartered commercial bank. The company maintains its website at https://www.coastalstatesbank.com.
The company operates as a full-service commercial bank focused on delivering personalized service to small-to-medium-sized businesses and individuals across three primary markets: the Lowcountry of South Carolina, Savannah, Georgia, and metro Atlanta, Georgia. As of December 31, 2025, CoastalSouth Bancshares maintained total assets of $2.31 billion, total loans held-for-investment of $1.62 billion, total deposits of $1.99 billion, and total shareholders' equity of $259.5 million.
The company operates 11 retail banking branches and manages four specialty lines of business including Senior Housing, Marine Lending, Government Guaranteed Lending, and Mortgage Banker Finance. Coastal States Mortgage, Inc., a wholly-owned subsidiary, originates single-family residential mortgages, with the majority sold to third-party investors.
CoastalSouth's lending portfolio encompasses diverse products across commercial and retail segments. Commercial offerings include acquisition, development and construction loans, income-producing commercial real estate, owner-occupied commercial real estate, senior housing loans, and commercial and industrial loans. Retail products include residential mortgages, marine vessel loans, cash value life insurance lines of credit, and other consumer loans. The company also engages in mortgage warehouse lending activities.
The company's deposit products include checking, savings, money market, and certificates of deposit accounts. As of December 31, 2025, core deposits represented 84.6 percent of total deposits at $1.68 billion, with a weighted average deposit cost of 2.71 percent. The company employs 196 people as of December 31, 2025.
CoastalSouth completed its initial public offering in July 2025 as an emerging growth company under the JOBS Act. The company has grown its franchise primarily through de novo branch openings in vibrant markets and two prior acquisitions, establishing a proven track record of opening branches in a disciplined, cost-efficient manner while maintaining service quality and profitability.
Company details
- Sector
- Financials
- Industry
- Banks & Brokers
- Headquarters
- ATLANTA, GA
- Fiscal year end
- December
- CIK
- 1297107
- SIC
- 6022
Financial performance, year by year
Fiscal 2025–2025 · USDThe full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.
Who owns CoastalSouth Bancshares, Inc. — and what changed
Funds as of 2026Q2 · superinvestors as of 2026-06-30
Largest fund holders · CoastalSouth Bancshares, Inc.’s weight in each
Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.
Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.
Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.
Recent filings
All filings →Each filing opens into its own statements and disclosures here.
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