CSB Reports Q4 Revenue of $22.2M, Record Net Income
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 20 2026
0mins
Should l Buy COSO?
Reports Q4 revenue $22.2M, two estimates $21.9M. Reports Q4: Return on average assets of 1.24%, return on average equity of 11.02%; Return on average tangible common equity1 of 11.24%, Net interest margin of 3.60%, an increase of 2 basis points from the third quarter of 2025. Commenting on the Company's results, President and Chief Executive Officer, Stephen R. Stone stated, "We are pleased to report record net income for the year of $24.9 million and pre-tax pre-provision net revenue1 ("PPNR") of $34.3 million, which is an increase of 23.6% compared to December 31, 2024. We also produced over $776.0 million in loan commitments and grew core deposits1 by over $120.7 million." Mr. Stone also announced the Company's strategic expansion into the Charleston, SC market. "This expansion builds upon the strong foundation we have established in the Lowcountry and reflects our continued investment in this dynamic region," said Stone. "CSB has assembled a locally based commercial banking team with extensive experience serving businesses throughout Charleston and the broader Lowcountry market. The team we have assembled, led by Edward Vaughan, Charleston Market President, will help us continue to drive strong loan and deposit growth."
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About COSO
CoastalSouth Bancshares, Inc. is a bank holding company. The Company’s subsidiary is Coastal States Bank (CSB). CSB operates retail banking branches in Beaufort County, South Carolina, Chatham County, Georgia, Dawson County, Georgia, Fulton County, Georgia and Forsyth County, Georgia. Its specialty banking services include home builder financing, senior housing financing, warehouse lending, and correspondent banking. Its personal banking services include checking, savings, treasury management, and lending. Its small business banking services include small business checking, small business savings, small business lending, and small business digital banking. It offers various commercial lending’s, such as commercial loans, commercial real estate loans, and business credit cards. CSB’s wholly owned subsidiary, Coastal States Mortgage, Inc. (CSM), is a mortgage company focused on originating and selling residential mortgages to investors.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Coastal States Bank Donates $136,000 to Community Charities
- Community Commitment Donation: Coastal States Bank donated $136,000 in 2025 to charities in Georgia and South Carolina, focusing on financial literacy, childhood education, and veteran support, reflecting its commitment as a local community bank.
- Volunteer Service Hours: Employees contributed over 575 hours of volunteer service through the Community Commitment initiative, strengthening ties with local communities and demonstrating the bank's core values through action.
- Ongoing Support: Since its establishment in 2017, the Community Commitment program has donated over $742,000 to support more than 100 local charitable organizations, showcasing the bank's long-term dedication to community development.
- Banking Service Range: Coastal States Bank provides a full range of banking services in South Carolina's Lowcountry, Savannah, and the Atlanta metropolitan area, with total assets of approximately $2.3 billion, dedicated to offering localized banking partnerships for businesses and individuals.
See More
Coastal States Bank Donates $136,000 to Support Community Initiatives
- Community Commitment Program: In 2025, Coastal States Bank donated $136,000 through its employee-funded and bank-matched Community Commitment initiative, aimed at addressing diverse needs in Georgia and South Carolina, reflecting the bank's responsibility towards local communities.
- Broad Charitable Support: Last year, the program supported over 45 charities, focusing on financial literacy, childhood education, veteran support, health and wellness, and senior care, demonstrating the bank's active role in enhancing community welfare.
- Significant Employee Involvement: Employees of Coastal States Bank contributed over 575 hours of volunteer service to the Community Commitment program, showcasing the team's dedication to community service and further enhancing the bank's community image.
- Long-term Impact: Since its establishment in 2017, the Community Commitment program has donated over $742,000 to support more than 100 local charitable organizations, illustrating Coastal States Bank's ongoing efforts and strategic vision in promoting community development.
See More
CoastalSouth Bancshares Q4 Earnings: GAAP EPS of $0.58 Misses by $0.01
- Earnings Performance: CoastalSouth Bancshares, Inc. reported a GAAP EPS of $0.58 for Q4, missing expectations by $0.01, indicating potential pressure on the company's profitability which may affect investor confidence.
- Revenue Growth: The company's revenue for Q4 was $22.16M, exceeding market expectations by $0.27M, demonstrating resilience in revenue generation that could attract investors interested in growth.
- Historical Data Insight: Historical financial data for CoastalSouth suggests that while the EPS fell short of expectations, the revenue beat may provide a positive signal for future financial performance, warranting investor attention on subsequent developments.
- Market Reaction: Given the EPS miss, the market may react negatively to CoastalSouth's stock price in the short term, prompting investors to carefully assess its future profitability and market performance.
See More
CoastalSouth Bancshares Reports Record Q4 2025 Net Income of $7.1 Million
- Net Income Growth: CoastalSouth Bancshares reported a net income of $7.1 million for Q4 2025, translating to $0.58 per diluted share, reflecting a 24.6% increase from $5.7 million in Q4 2024, indicating a significant enhancement in profitability.
- Loan Commitment Innovation: The company achieved over $776 million in loan commitments for 2025, marking a 16.4% increase from 2024, which not only strengthens market competitiveness but also lays a foundation for future business expansion.
- Market Expansion Strategy: CoastalSouth is strategically expanding into the Charleston, SC market by assembling a locally experienced commercial banking team, aimed at driving further loan and deposit growth and solidifying its position in the Lowcountry market.
- Stable Asset Quality: As of December 31, 2025, nonperforming assets accounted for 0.79% of total assets, demonstrating effective credit quality management and enhancing investor confidence.
See More
Coastal States Bank Expands into Charleston with Team Boasting Over 50 Years of Experience
- Market Expansion: Coastal States Bank's expansion into the Charleston market builds on over 20 years of successful operations in the Lowcountry, reflecting its ongoing investment and confidence in the region.
- Team Formation: The newly established Charleston commercial banking team, led by Market President Edward Vaughan, brings over 50 years of combined banking experience, focusing on providing deposit and loan services to small and mid-sized businesses.
- Relationship-Driven Approach: Emphasizing trust and relationships, Vaughan noted that Charleston's diverse and entrepreneurial business community aligns well with CSB's relationship banking model, which is expected to enhance customer loyalty.
- Asset Scale: Currently, Coastal States Bank has approximately $2.3 billion in total assets, and this expansion is set to further solidify its market position in South Carolina and drive future business growth.
See More
David DeLucia Appointed Vice President and Business Banker at Coastal States Bank
New Appointment: Coastal States Bank has appointed David DeLucia as Vice President, Business Banker in the Atlanta region, bringing over 18 years of business banking experience.
Community Focus: David is recognized for his client-focused approach and commitment to community service, particularly in supporting veterans, aligning with CSB's mission of personalized, relationship-driven banking.
See More
Coastal States Bank Donates $136,000 to Community Charities
- Community Commitment Donation: Coastal States Bank donated $136,000 in 2025 to charities in Georgia and South Carolina, focusing on financial literacy, childhood education, and veteran support, reflecting its commitment as a local community bank.
- Volunteer Service Hours: Employees contributed over 575 hours of volunteer service through the Community Commitment initiative, strengthening ties with local communities and demonstrating the bank's core values through action.
- Ongoing Support: Since its establishment in 2017, the Community Commitment program has donated over $742,000 to support more than 100 local charitable organizations, showcasing the bank's long-term dedication to community development.
- Banking Service Range: Coastal States Bank provides a full range of banking services in South Carolina's Lowcountry, Savannah, and the Atlanta metropolitan area, with total assets of approximately $2.3 billion, dedicated to offering localized banking partnerships for businesses and individuals.
See More
Coastal States Bank Donates $136,000 to Support Community Initiatives
- Community Commitment Program: In 2025, Coastal States Bank donated $136,000 through its employee-funded and bank-matched Community Commitment initiative, aimed at addressing diverse needs in Georgia and South Carolina, reflecting the bank's responsibility towards local communities.
- Broad Charitable Support: Last year, the program supported over 45 charities, focusing on financial literacy, childhood education, veteran support, health and wellness, and senior care, demonstrating the bank's active role in enhancing community welfare.
- Significant Employee Involvement: Employees of Coastal States Bank contributed over 575 hours of volunteer service to the Community Commitment program, showcasing the team's dedication to community service and further enhancing the bank's community image.
- Long-term Impact: Since its establishment in 2017, the Community Commitment program has donated over $742,000 to support more than 100 local charitable organizations, illustrating Coastal States Bank's ongoing efforts and strategic vision in promoting community development.
See More
CoastalSouth Bancshares Q4 Earnings: GAAP EPS of $0.58 Misses by $0.01
- Earnings Performance: CoastalSouth Bancshares, Inc. reported a GAAP EPS of $0.58 for Q4, missing expectations by $0.01, indicating potential pressure on the company's profitability which may affect investor confidence.
- Revenue Growth: The company's revenue for Q4 was $22.16M, exceeding market expectations by $0.27M, demonstrating resilience in revenue generation that could attract investors interested in growth.
- Historical Data Insight: Historical financial data for CoastalSouth suggests that while the EPS fell short of expectations, the revenue beat may provide a positive signal for future financial performance, warranting investor attention on subsequent developments.
- Market Reaction: Given the EPS miss, the market may react negatively to CoastalSouth's stock price in the short term, prompting investors to carefully assess its future profitability and market performance.
See More
CoastalSouth Bancshares Reports Record Q4 2025 Net Income of $7.1 Million
- Net Income Growth: CoastalSouth Bancshares reported a net income of $7.1 million for Q4 2025, translating to $0.58 per diluted share, reflecting a 24.6% increase from $5.7 million in Q4 2024, indicating a significant enhancement in profitability.
- Loan Commitment Innovation: The company achieved over $776 million in loan commitments for 2025, marking a 16.4% increase from 2024, which not only strengthens market competitiveness but also lays a foundation for future business expansion.
- Market Expansion Strategy: CoastalSouth is strategically expanding into the Charleston, SC market by assembling a locally experienced commercial banking team, aimed at driving further loan and deposit growth and solidifying its position in the Lowcountry market.
- Stable Asset Quality: As of December 31, 2025, nonperforming assets accounted for 0.79% of total assets, demonstrating effective credit quality management and enhancing investor confidence.
See More
Coastal States Bank Expands into Charleston with Team Boasting Over 50 Years of Experience
- Market Expansion: Coastal States Bank's expansion into the Charleston market builds on over 20 years of successful operations in the Lowcountry, reflecting its ongoing investment and confidence in the region.
- Team Formation: The newly established Charleston commercial banking team, led by Market President Edward Vaughan, brings over 50 years of combined banking experience, focusing on providing deposit and loan services to small and mid-sized businesses.
- Relationship-Driven Approach: Emphasizing trust and relationships, Vaughan noted that Charleston's diverse and entrepreneurial business community aligns well with CSB's relationship banking model, which is expected to enhance customer loyalty.
- Asset Scale: Currently, Coastal States Bank has approximately $2.3 billion in total assets, and this expansion is set to further solidify its market position in South Carolina and drive future business growth.
See More
David DeLucia Appointed Vice President and Business Banker at Coastal States Bank
New Appointment: Coastal States Bank has appointed David DeLucia as Vice President, Business Banker in the Atlanta region, bringing over 18 years of business banking experience.
Community Focus: David is recognized for his client-focused approach and commitment to community service, particularly in supporting veterans, aligning with CSB's mission of personalized, relationship-driven banking.
See More
