COSO Overview

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.

Recognition of Carol Stone: Carol Stone, Senior Vice President and Commercial Lender at Coastal States Bank, has been inducted into the Home Builders Association of Georgia Hall of Fame for her significant contributions to the home building industry in Georgia.

Career Achievements: With 35 years of experience, Carol has received multiple awards including Associate of the Year and the prestigious Lewis Cenker Award, and she currently serves in leadership roles within various home builders associations.

New Additions to Coastal States Bank: Coastal States Bank has welcomed Ronye Cooper and SJ Lofton to its retail banking team in Atlanta, with Cooper serving as Assistant Vice President and Team Leader at the Sandy Springs branch, and Lofton in the same role at the Akers Mill branch.

Experience and Focus: Both leaders bring extensive banking experience and will focus on business development and personalized account support for consumers and small businesses, aligning with CSB's mission of relationship-driven banking.

Promotion Announcement: Coastal States Bank has promoted Laura Fraser to Lowcountry Market President, leveraging her 15 years of commercial banking experience, including her previous role as Regional Credit Officer.

Leadership Focus: In her new position, Laura will lead commercial banking teams in Hilton Head Island, Bluffton, and Beaufort, aiming to enhance business relationships and provide tailored banking solutions in the Lowcountry.

Leadership Changes at Coastal States Bank: Coastal States Bank has appointed Rhonda Thornton as Chief Retail and Experience Officer to enhance client experience, while Diana McDougall transitions to Community Engagement Officer. Brian Smith becomes Coastal Regional President, and Jeremy Summerell joins as Market President of Savannah.

Company Overview: Coastal States Bank offers a full range of banking services with a strong community presence in the Lowcountry of South Carolina, Savannah, and Atlanta, boasting approximately $2.2 billion in total assets.