BlastPoint's Banking Scorecard

Coastal States Bank

$1B-$10B Specialty: Commercial SC FDIC cert 57756

Designations: ✓ Community bank

Hilton Head Island, SC

11 branches across GA · SC

884 banks in the $1B-$10B peer group nationally 13 in SC

Coastal States Bank has 1 strength but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 1.74% below tier average

Key Concerns

Areas that may need attention

- ROA 0.26% below tier average
- Net Interest Margin 0.21% below tier average
- Delinquency Rate 0.12% above tier average

Get updates when Coastal States Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Total Assets ?	$2.3B +7.2% YoY +1.8% QoQ	-$469.5M	$2.8B -0.1% YoY	$1.5B +4.7% YoY	$6.2B +9.1% YoY	59%
Total Loans ?	$1.8B +10.3% YoY +2.3% QoQ	-$153.8M	$2.0B +0.6% YoY	$993.8M +7.7% YoY	$3.2B +10.8% YoY	63%
Total Deposits ?	$2.1B +6.2% YoY +3.5% QoQ	-$283.7M	$2.3B -0.3% YoY	$1.3B +4.0% YoY	$4.8B +8.2% YoY	61%
Return on Assets ?	1.11% +10.6% YoY -5.3% QoQ	-0.26%	1.37% +19.6% YoY	1.18% +45.0% YoY	1.23% +13.4% YoY	40%
Net Interest Margin ?	3.61% +5.4% YoY -0.2% QoQ	-0.21%	3.82% +6.9% YoY	3.64% +5.2% YoY	3.89% +5.7% YoY	48%
Efficiency Ratio ?	59.32% -0.3% YoY +4.1% QoQ	-1.74%	61.06% -4.6% YoY	67.38% -5.7% YoY	66.95% -4.1% YoY	51%
Delinquency Rate ?	1.00% +12.9% YoY -3.0% QoQ	+0.12%	0.89% +14.1% YoY	0.54% +11.8% YoY	0.95% +18.8% YoY	27%
Loan-to-Deposit Ratio ?	87.93% +3.8% YoY -1.1% QoQ	+3.73%	84.20% +0.3% YoY	73.64% +1.6% YoY	76.70% +0.9% YoY	44%
Non-Interest-Bearing Deposit Share ?	15.22% -2.1% YoY -3.8% QoQ	-6.07%	21.29% -2.5% YoY	20.84% -0.7% YoY	22.01% -1.2% YoY	28%
Nonperforming Asset Ratio ?	0.78% +10.3% YoY -2.4% QoQ	+0.10%	0.67% +15.6% YoY	0.34% +10.8% YoY	0.67% +19.3% YoY	28%
Tier 1 Capital Ratio ?	12.19% +5.5% YoY -0.9% QoQ	-2.97%	15.16% +2.0% YoY	17.50% +3.0% YoY	17.06% +0.8% YoY	35%
Non-Interest Income / Assets ?	0.08% +4.0% YoY -75.9% QoQ	-0.17%	0.26% +1.6% YoY	0.17% +48.2% YoY	0.32% +4.1% YoY	24%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (1 metrics)

672

Non-Interest Income / Assets

revenue_mix

Value: 0.08%

Peer Median: 0.26%

#672 of 884 Bottom 24.1% in $1B-$10B