BlastPoint's Banking Scorecard
Coastal Carolina National Bank
Designations: ✓ Community bank
Myrtle Beach, SC
10 branches across SC · NC
Coastal Carolina National Bank has 3 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 50.0% in tier
- + Nonperforming Asset Ratio 0.66% below tier average
- + Efficiency Ratio 4.67% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 1.4% in tier
- - Non-Interest Income / Assets 0.21% below tier average
- - ROA 0.25% below tier average
- - Net Interest Margin 0.21% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
+15.4% YoY
-0.0% QoQ
|
-$1.5B |
$2.8B
-0.1% YoY
|
$1.5B
+4.7% YoY
|
$6.2B
+9.0% YoY
|
22% |
| Total Loans ? |
$958.1M
+12.0% YoY
+2.5% QoQ
|
-$1.0B |
$2.0B
+0.6% YoY
|
$993.8M
+7.7% YoY
|
$3.2B
+10.7% YoY
|
29% |
| Total Deposits ? |
$1.2B
+14.7% YoY
-0.3% QoQ
|
-$1.2B |
$2.3B
-0.3% YoY
|
$1.3B
+4.0% YoY
|
$4.8B
+8.0% YoY
|
27% |
| Return on Assets ? |
1.12%
+17.8% YoY
+8.9% QoQ
|
-0.25% |
1.37%
+19.6% YoY
|
1.18%
+45.0% YoY
|
1.24%
+13.1% YoY
|
41% |
| Net Interest Margin ? |
3.60%
+2.7% YoY
+1.6% QoQ
|
-0.21% |
3.82%
+6.9% YoY
|
3.64%
+5.2% YoY
|
3.89%
+5.7% YoY
|
48% |
| Efficiency Ratio ? |
56.39%
-10.7% YoY
-5.3% QoQ
|
-4.67% |
61.05%
-4.6% YoY
|
67.38%
-5.7% YoY
|
66.84%
-3.8% YoY
|
60% |
| Delinquency Rate ? | 0.02% | -0.87% |
0.89%
+14.1% YoY
|
0.54%
+11.8% YoY
|
0.95%
+18.8% YoY
|
Top 4.4% in tier |
| Loan-to-Deposit Ratio ? |
83.13%
-2.3% YoY
+2.8% QoQ
|
-1.07% |
84.20%
+0.3% YoY
|
73.64%
+1.6% YoY
|
76.69%
+0.9% YoY
|
59% |
| Non-Interest-Bearing Deposit Share ? |
17.16%
-2.8% YoY
-9.4% QoQ
|
-4.12% |
21.28%
-2.5% YoY
|
20.84%
-0.7% YoY
|
22.01%
-1.1% YoY
|
37% |
| Nonperforming Asset Ratio ? | 0.02% | -0.66% |
0.67%
+15.6% YoY
|
0.34%
+10.8% YoY
|
0.66%
+19.3% YoY
|
Top 4.6% in tier |
| Tier 1 Capital Ratio ? |
12.89%
+10.3% YoY
+0.9% QoQ
|
-2.28% |
15.17%
+2.0% YoY
|
17.50%
+3.0% YoY
|
17.06%
+0.8% YoY
|
46% |
| Non-Interest Income / Assets ? |
0.05%
-13.7% YoY
-75.8% QoQ
|
-0.21% |
0.26%
+1.6% YoY
|
0.17%
+48.2% YoY
|
0.32%
+4.0% YoY
|
Bottom 9.4% in tier |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.