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CoastalSouth Bancshares (COSO) investor relations material
CoastalSouth Bancshares Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary21 Oct, 2025
Executive summary
Net income for Q3 2025 was $6.7 million ($0.54 per diluted share), up from $6.0 million in Q2 2025 but down from $7.9 million in Q3 2024.
Year-to-date net income reached $17.8 million ($1.58 per diluted share), compared to $16.2 million ($1.55 per diluted share) for the same period in 2024.
Completed IPO on July 2, 2025, issuing 1.7 million shares for net proceeds of $30.2 million.
Financial highlights
Net interest income for Q3 2025 was $19.2 million, up 6.2% from Q2 2025 and 13.1% year-over-year.
Net interest margin expanded to 3.58%, up 12 bps sequentially and 26 bps year-over-year.
Noninterest income rose to $2.1 million, a 17% increase from Q2 2025, mainly due to higher gains on sale of government guaranteed loans.
Noninterest expense decreased 2% sequentially to $11.9 million.
Total assets grew to $2.26 billion, up 7.5% from year-end 2024.
Total deposits reached $1.95 billion, a 6.3% increase from December 31, 2024.
Outlook and guidance
Management remains focused on expanding market presence and recruiting new bankers amid increased M&A activity in core markets.
IPO & debt redemption impact on funding cost?
LHFI yield trend outlook given production?
Banker recruitment impact on efficiency ratio?
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Next CoastalSouth Bancshares earnings date
Q4 202511 Mar, 2026
Next CoastalSouth Bancshares earnings date
Q4 202511 Mar, 2026
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Frequently asked questions
CoastalSouth Bancshares, Inc. is a U.S.-based bank holding company that operates through its subsidiary, Coastal States Bank. The bank provides a range of financial services tailored to individuals, small businesses, and commercial clients, including checking and savings accounts, loans, mortgages, and treasury management services. Focused on community banking, Coastal States Bank operates in select markets in Georgia, South Carolina, and North Carolina, offering personalized banking solutions to support local economic development. The company is headquartered in Hilton Head Island, South Carolina, and its shares are traded on the OTC Markets.
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