Coastal States Bank
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10). A current level of 5.2 percent of nonperforming loans to core capital combined with 4.2 percent from a year earlier contributes to the Good asset quality (5.3).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 13.4 and a capital leverage ratio of 11.1. Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.2 has resulted in Good (5.8) profitability.
Asset Mix:
Comm re (30%), home mtgs (16%), consumer loans (15%), securities (14%), comm loans (9%), cash (1%), home eq lns (1%), other (14%)
States with Branches:
GA, SC
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
CoastalSouth Bancshares, Inc.
Investment Rating
Address
5 Bow Circle
Hilton Head Island, SC 29928
Hilton Head Island, SC 29928
Phone Number
(843) 341-9958
Year Founded
2004
FDIC Number
Website
Largest Affiliates
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