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 (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.1 has resulted in Good (5.0) profitability.
Other Rating Factors:
Excellent current capitalization (9.5 on a scale of 0 to 10) based on a risk-based capital ratio of 13.0 and a capital leverage ratio of 10.6. A current level of 4.9 percent of nonperforming loans to core capital combined with 0.8 percent from a year earlier contributes to the Good asset quality (6.4).
Asset Mix:
Comm re (30%), securities (16%), home mtgs (15%), consumer loans (14%), comm loans (10%), cash (3%), home eq lns (1%), other (10%)
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
FDIC Number
Website
Largest Affiliates
No affiliate information available.