- CoastalSouth Bancshares, Inc. reported **net income of $6.7 million**, or **$0.54 per diluted share**, for the third quarter of 2025.  **[1297107_0001193125-25-243947_coso-ex99_1.htm:0]**  For the year-to-date period ending September 30, 2025, net income was **$17.8 million**, or **$1.58 per diluted share**.  **[1297107_0001193125-25-243947_coso-ex99_1.htm:0]** 
- For Q3 2025, the company achieved a **return on average assets (ROAA) of 1.20%**, a **return on average equity (ROAE) of 10.84%**, and a **net interest margin of 3.58%**.  **[1297107_0001193125-25-243947_coso-ex99_1.htm:0]**  The **efficiency ratio was 55.69%**.  **[1297107_0001193125-25-243947_coso-ex99_1.htm:0]** 
- As of September 30, 2025, **total assets were $2.26 billion**, **total deposits were $1.95 billion**, and **gross loans held for investment were $1.55 billion**.  **[1297107_0001193125-25-243947_coso-ex99_1.htm:2]**  **Nonperforming assets totaled $14.2 million**, representing **0.63% of total assets**.  **[1297107_0001193125-25-243947_coso-ex99_1.htm:2]** 
- The company completed its **initial public offering on July 2, 2025**, generating **net proceeds of $30.2 million**, and subsequently **redeemed $15.0 million of subordinated debt**.  **[1297107_0001193125-25-243947_coso-ex99_1.htm:0]** **[1297107_0001193125-25-243947_coso-ex99_2.htm:4]**  The **Tier 1 leverage ratio increased to 11.15%** and **tangible common equity to tangible assets increased to 10.91%** at September 30, 2025.  **[1297107_0001193125-25-243947_coso-ex99_2.htm:4]**

CoastalSouth Bancshares (COSO)