Research analysts covering CoastalSouth Bancshares.
Recent press releases and 8-K filings for COSO.
CoastalSouth Bancshares Reports Strong Q4 and Full-Year 2025 Earnings
COSO
Earnings
New Projects/Investments
Revenue Acceleration/Inflection
- For the fourth quarter of 2025, CoastalSouth Bancshares, Inc. reported net income of $7.1 million, or $0.58 per diluted share, and for the full year ended December 31, 2025, net income was $24.9 million, or $2.16 per diluted share.
- The company achieved record net income of $24.9 million for the year ended December 31, 2025, and pre-tax pre-provision net revenue (PPNR) of $34.3 million, marking a 23.6% increase compared to December 31, 2024.
- CoastalSouth Bancshares, Inc. announced a strategic expansion into the Charleston, SC market, assembling a locally based commercial banking team to drive loan and deposit growth.
- Key performance highlights for Q4 2025 include a net interest margin of 3.60%, an increase of 2 basis points from the third quarter of 2025, and a return on average assets (ROAA) of 1.24%.
- Total assets grew to $2.31 billion at December 31, 2025, an increase of 9.9% from December 31, 2024, with gross loans held for investment increasing 14.7% to $1.62 billion and total deposits increasing 8.3% to $1.99 billion over the same period.
Jan 20, 2026, 9:17 PM
CoastalSouth Bancshares Reports Fourth Quarter and Full-Year 2025 Earnings
COSO
Earnings
New Projects/Investments
- CoastalSouth Bancshares, Inc. reported net income of $7.1 million, or $0.58 per diluted share, for the fourth quarter of 2025, an increase from $6.7 million, or $0.54 per diluted share, in the third quarter of 2025.
- For the full year ended December 31, 2025, the company achieved record net income of $24.9 million, or $2.16 per diluted share, compared to $21.9 million, or $2.09 per diluted share, for the year ended December 31, 2024.
- Key performance indicators for Q4 2025 included a Return on average assets (ROAA) of 1.24% and a Return on average equity (ROAE) of 11.02%.
- The company's net interest margin expanded to 3.60% for the fourth quarter of 2025, a 2 basis point increase from the third quarter of 2025.
- CoastalSouth Bancshares announced a strategic expansion into the Charleston, SC market and grew core deposits by over $120.7 million for the year ended December 31, 2025.
Jan 20, 2026, 9:15 PM
CoastalSouth Bancshares, Inc. Reports Q3 2025 Earnings and IPO Completion
COSO
Earnings
Debt Issuance
New Projects/Investments
- CoastalSouth Bancshares, Inc. reported net income of $6.7 million, or $0.54 per diluted share, for the third quarter of 2025. For the year-to-date period ending September 30, 2025, net income was $17.8 million, or $1.58 per diluted share.
- 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%. The efficiency ratio was 55.69%.
- 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. Nonperforming assets totaled $14.2 million, representing 0.63% of total assets.
- 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. The Tier 1 leverage ratio increased to 11.15% and tangible common equity to tangible assets increased to 10.91% at September 30, 2025.
Oct 20, 2025, 11:52 PM
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