BlastPoint's Banking Scorecard
Coastal Carolina National Bank
Designations: ✓ Community bank
Myrtle Beach, SC
10 branches across SC · NC
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 +12.9% year over year ($1.2B on the books).
- Delinquency rate 0.00%.
- Return on assets 1.05%.
- Efficiency ratio 59.17% vs a 59.73% peer average.
- Loan-to-deposit ratio 79.88% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Coastal Carolina National Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.87% below tier average
- + Nonperforming Asset Ratio 0.67% below tier average
- + Efficiency Ratio 0.56% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.44% below tier average
- - ROA 0.34% below tier average
- - Net Interest Margin 0.27% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
+13.8% YoY
+5.7% QoQ
|
-$1.4B |
$2.8B
-0.6% YoY
|
$1.5B
+5.6% YoY
|
$6.3B
+7.7% YoY
|
26% |
| Total Loans ? |
$976.7M
+12.0% YoY
+1.9% QoQ
|
-$986.5M |
$2.0B
-0.3% YoY
|
$1.0B
+7.6% YoY
|
$3.2B
+9.4% YoY
|
30% |
| Total Deposits ? |
$1.2B
+12.9% YoY
+6.1% QoQ
|
-$1.1B |
$2.3B
-0.5% YoY
|
$1.3B
+2.8% YoY
|
$4.9B
+7.3% YoY
|
33% |
| Return on Assets ? |
1.05%
+9.3% YoY
-6.3% QoQ
|
-0.34% |
1.39%
+17.0% YoY
|
1.14%
+28.2% YoY
|
1.30%
+12.1% YoY
|
33% |
| Net Interest Margin ? |
3.60%
+2.6% YoY
+0.0% QoQ
|
-0.27% |
3.87%
+6.2% YoY
|
3.68%
+4.4% YoY
|
3.95%
+4.9% YoY
|
43% |
| Efficiency Ratio ? |
59.17%
-4.2% YoY
+4.9% QoQ
|
-0.56% |
59.73%
-12.6% YoY
|
67.24%
-4.2% YoY
|
70.05%
+2.5% YoY
|
50% |
| Delinquency Rate ? |
0.00%
-100.0% QoQ
|
-0.87% |
0.87%
+11.7% YoY
|
0.46%
-16.5% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
79.88%
-0.8% YoY
-3.9% QoQ
|
-5.15% |
85.04%
-0.1% YoY
|
74.60%
+2.0% YoY
|
79.03%
+2.3% YoY
|
68% |
| Non-Interest-Bearing Deposit Share ? |
17.47%
+5.6% YoY
+1.8% QoQ
|
-3.80% |
21.27%
-1.5% YoY
|
21.25%
-0.8% YoY
|
21.98%
-0.6% YoY
|
36% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% QoQ
|
-0.67% |
0.67%
+11.7% YoY
|
0.29%
-15.5% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
12.99%
+10.5% YoY
+0.8% QoQ
|
-1.85% |
14.84%
-0.4% YoY
|
17.16%
+0.2% YoY
|
17.09%
+0.8% YoY
|
49% |
| Non-Interest Income / Assets ? |
0.09%
-12.2% YoY
+88.6% QoQ
|
-0.44% |
0.53%
+2.5% YoY
|
0.29%
+23.1% YoY
|
0.66%
+5.2% YoY
|
Bottom 8.1% in tier |
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 |
17.5%
+0.9pp YoY +0.3pp QoQ |
-3.9pp | 21.4% | 21.7% | 22.2% | 36% |
| Brokered Deposits |
17.7%
-0.1pp YoY -0.5pp QoQ |
+8.3pp | 9.5% | 10.6% | 8.5% | 87% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
9.9%
-0.4pp YoY -0.5pp QoQ |
-4.1pp | 14.0% | 9.8% | 12.5% | 44% |
| CRE |
50.1%
-0.5pp YoY -0.3pp QoQ |
+0.1pp | 50.0% | 43.3% | 41.4% | 51% |
| 1-4 Family |
35.2%
-0.3pp YoY +0.3pp QoQ |
+8.7pp | 26.4% | 44.4% | 31.3% | 75% |
| Consumer |
4.4%
+0.5pp YoY +0.1pp QoQ |
-0.3pp | 4.7% | 4.5% | 5.0% | 79% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.0%
+1.2pp YoY +0.1pp QoQ |
-2.6pp | 15.6% | 18.1% | 19.7% | 41% |
| Leverage Ratio |
9.4%
+0.3pp YoY -0.2pp QoQ |
-1.9pp | 11.3% | 12.3% | 12.6% | 20% |
| Total Capital Ratio |
14.2%
+1.3pp YoY +0.1pp QoQ |
-2.5pp | 16.7% | 19.1% | 20.8% | 42% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
129
+11 (+9.3%) YoY +3 (+2.4%) QoQ |
-185 | 313 | 174 | 482 | 16% |
| Assets per Employee ($) |
$10.5M
+4.1% YoY +3.3% QoQ |
-$13K | $10.5M | $7.8M | $8.8M | 69% |
| Branch Count |
10
0 YoY 0 QoQ |
-10 | 20 | 12 | 18 | 29% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.0% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.8% | 0.5% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 18.71x | 15.59x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.3% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.5%
+0.2pp YoY -0.7pp QoQ |
-1.1pp | 12.6% | 11.7% | 11.6% | 45% |
| Cost of Funds (YTD) |
1.9%
-0.1pp YoY +0.1pp QoQ |
0.0pp | 1.9% | 1.6% | 1.7% | 51% |
| Net Income ($, YTD) |
$6.8M
+26.2% YoY — QoQ |
-$12.4M | $19.2M | $9.6M | $40.4M | 22% |
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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.