BlastPoint's Banking Scorecard
Coastal States Bank
Designations: ✓ Community bank
Hilton Head Island, SC
12 branches across GA · SC
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 13 in SC.
- Deposits +4.3% year over year ($2.1B on the books).
- Delinquency rate 0.96%.
- Return on assets 1.17%.
- Efficiency ratio 58.63% vs a 59.73% peer average.
- Loan-to-deposit ratio 92.97% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Coastal States Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 1.10% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.22% below tier average
- - Net Interest Margin 0.23% below tier average
- - Delinquency Rate 0.09% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.4B
+9.0% YoY
+3.1% QoQ
|
-$375.1M |
$2.8B
-0.6% YoY
|
$1.5B
+5.6% YoY
|
$6.3B
+7.7% YoY
|
60% |
| Total Loans ? |
$1.9B
+11.0% YoY
+5.4% QoQ
|
-$54.6M |
$2.0B
-0.3% YoY
|
$1.0B
+7.6% YoY
|
$3.2B
+9.4% YoY
|
65% |
| Total Deposits ? |
$2.1B
+4.3% YoY
-0.3% QoQ
|
-$265.8M |
$2.3B
-0.5% YoY
|
$1.3B
+2.8% YoY
|
$4.9B
+7.3% YoY
|
60% |
| Return on Assets ? |
1.17%
+9.8% YoY
+6.2% QoQ
|
-0.22% |
1.39%
+17.0% YoY
|
1.14%
+28.2% YoY
|
1.30%
+12.1% YoY
|
43% |
| Net Interest Margin ? |
3.64%
+4.0% YoY
+1.0% QoQ
|
-0.23% |
3.87%
+6.2% YoY
|
3.68%
+4.4% YoY
|
3.95%
+4.9% YoY
|
46% |
| Efficiency Ratio ? |
58.63%
-1.6% YoY
-1.2% QoQ
|
-1.10% |
59.73%
-12.6% YoY
|
67.24%
-4.2% YoY
|
70.05%
+2.5% YoY
|
51% |
| Delinquency Rate ? |
0.96%
+12.2% YoY
-4.4% QoQ
|
+0.09% |
0.87%
+11.7% YoY
|
0.46%
-16.5% YoY
|
0.98%
+16.3% YoY
|
28% |
| Loan-to-Deposit Ratio ? |
92.97%
+6.5% YoY
+5.7% QoQ
|
+7.93% |
85.04%
-0.1% YoY
|
74.60%
+2.0% YoY
|
79.03%
+2.3% YoY
|
33% |
| Non-Interest-Bearing Deposit Share ? |
17.60%
+10.4% YoY
+15.6% QoQ
|
-3.67% |
21.27%
-1.5% YoY
|
21.25%
-0.8% YoY
|
21.98%
-0.6% YoY
|
37% |
| Nonperforming Asset Ratio ? |
0.76%
+14.3% YoY
-2.2% QoQ
|
+0.08% |
0.67%
+11.7% YoY
|
0.29%
-15.5% YoY
|
0.69%
+15.8% YoY
|
31% |
| Tier 1 Capital Ratio ? |
12.30%
+10.9% YoY
+0.9% QoQ
|
-2.54% |
14.84%
-0.4% YoY
|
17.16%
+0.2% YoY
|
17.09%
+0.8% YoY
|
38% |
| Non-Interest Income / Assets ? |
0.17%
+5.8% YoY
+106.1% QoQ
|
-0.35% |
0.53%
+2.5% YoY
|
0.29%
+23.1% YoY
|
0.66%
+5.2% YoY
|
25% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
17.6%
+1.7pp YoY +2.4pp QoQ |
-3.8pp | 21.4% | 21.7% | 22.2% | 37% |
| Brokered Deposits |
12.4%
-3.3pp YoY -0.2pp QoQ |
+2.9pp | 9.5% | 10.6% | 8.5% | 76% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
10.9%
-0.9pp YoY -0.5pp QoQ |
-3.1pp | 14.0% | 9.8% | 12.5% | 48% |
| CRE |
49.7%
+2.4pp YoY +1.0pp QoQ |
-0.4pp | 50.0% | 43.3% | 41.4% | 49% |
| 1-4 Family |
21.7%
-0.4pp YoY +0.1pp QoQ |
-4.7pp | 26.4% | 44.4% | 31.3% | 46% |
| Consumer |
18.7%
-1.0pp YoY -0.6pp QoQ |
+14.0pp | 4.7% | 4.5% | 5.0% | 95% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.3%
+1.2pp YoY +0.1pp QoQ |
-3.3pp | 15.6% | 18.1% | 19.7% | 29% |
| Leverage Ratio |
11.1%
+0.9pp YoY -0.1pp QoQ |
-0.2pp | 11.3% | 12.3% | 12.6% | 62% |
| Total Capital Ratio |
13.4%
+1.4pp YoY +0.1pp QoQ |
-3.3pp | 16.7% | 19.1% | 20.8% | 30% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
201
+13 (+6.9%) YoY 0 QoQ |
-113 | 313 | 174 | 482 | 42% |
| Assets per Employee ($) |
$12.0M
+2.0% YoY +3.1% QoQ |
+$1.5M | $10.5M | $7.8M | $8.8M | 78% |
| Branch Count |
11
0 YoY 0 QoQ |
-9 | 20 | 12 | 18 | 35% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.0% | 0.4% | n/a |
| Nonaccrual |
1.0%
+0.1pp YoY 0.0pp QoQ |
+0.1pp | 0.8% | 0.5% | 1.0% | 73% |
| Allowance Coverage |
1.08x
-9.1% YoY +4.5% QoQ |
-17.63x | 18.71x | 15.59x | 20.23x | 27% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.2% | 28% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.7%
+0.1pp YoY +0.7pp QoQ |
-1.9pp | 12.6% | 11.7% | 11.6% | 39% |
| Cost of Funds (YTD) |
2.3%
-0.3pp YoY 0.0pp QoQ |
+0.4pp | 1.9% | 1.6% | 1.7% | 78% |
| Net Income ($, YTD) |
$13.8M
+19.3% YoY — QoQ |
-$5.4M | $19.2M | $9.6M | $40.4M | 56% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.