Coastal States Bank
Hilton Head Island, SC
IDRSSD: 3274709
Total Assets
$2.25B
Latest filing
Total Deposits
$1.95B
Latest filing
Net Interest Margin
3.74%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Coastal States Bank
5 Bow Cir
Hilton Head Island, SC 29928
Full Service - Brick and Mortar
Updated 11/14/2025Established 08/09/2004FDIC Certificate 423465
Branches (10)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Coastal States Bank (Main) | 5 Bow Cir | Hilton Head Island, SC |
| MAIN STREET BRANCH | 98 N Main St | Hilton Head Island, SC |
| FOOTHILLS COMMUNITY BRANCH | 70 Carlisle Rd | Dawsonville, GA |
| BLUFFTON VILLAGE BRANCH | 7 Thurmond Way | Bluffton, SC |
| SUN CITY BRANCH | 32 William Pope Dr | Bluffton, SC |
| CUMMING BRANCH | 5835 Bethelview Rd | Cumming, GA |
| SAVANNAH BRANCH | 339 Martin Luther King Jr Blvd | Savannah, GA |
| SANDY SPRINGS BRANCH | 6160 Roswell Rd | Atlanta, GA |
Showing 7 of 10
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 08/09/2004 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 29928 |
| State and County Number | 45013 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 05 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Hilton Head Island-Bluffton, SC |
Operational Info
| Number of Employees | 188 |
| Domestic Offices | 11 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/21/2023 |
| Date of Deposit Insurance | 08/09/2004 |
| Primary Insurance Agency | DIF |
| Website | www.coastalstatesbank.com |
| Data Updated | 11/14/2025 |
| CERT | 57756 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $2.25B |
| Total Deposits | $1.95B |
| Total Liabilities | $2.01B |
| Total Equity Capital | $246.23M |
| Net Income | $7.05M |
| Net Loans and Leases | $1.77B |
| Assets Per Employee ($Millions) | $11.61M |
| Bank Premises and Fixed Assets | $21.87M |
| Cash and Balances due from Depository Institutions | $26.00M |
| Deposits Held in Domestic Offices | $1.95B |
Key Performance Ratios
| Return on Assets (ROA) | 1.26% |
| Return on Equity (ROE) | 12.08% |
| Net Interest Margin | 3.74% |
| Efficiency Ratio | 54.37% |
| Tier 1 Risk-Based Capital Ratio | 11.941% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.12% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.929% |
| Earning Assets to total Assets | 93.94% |
Income and Expense
| Total Interest Income | $32.89M |
| Total Noninterest Income | $2.08M |
| Total Interest Expense | $13.28M |
| Total Noninterest Expense | $11.83M |
| Net Interest Income | $19.61M |
| Pre-tax Net Operating Income | $9.21M |
| Provision for Credit Losses | $653.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $25.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $277.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $29.93M |
| Total Liabilities and Capital | $2.25B |
Securities
| Securities | $334.95M |
| Available-for-sale debt securities | $334.95M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Coastal States Bank?
$2.25B as of the latest filing.
How much are Coastal States Bank's total deposits?
$1.95B in total deposits.
Where is Coastal States Bank located?
Hilton Head Island, SC.
What is the Net Interest Margin?
3.74%.
How many domestic offices does it operate?
11.
When was it established?
08/09/2004.
What is the Return on Assets (ROA)?
1.26%.
How much are total loans and leases?
$1.77B (latest filing).
What is the total interest income (latest filing)?
$32.89M.