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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), down from $7.9 million in Q3 2024 but up from $6.0 million in Q2 2025, mainly due to lower noninterest income and a higher effective tax rate.
Year-to-date net income reached $17.8 million ($1.58 per diluted share), up from $16.2 million ($1.55 per diluted share) in the same period of 2024, driven by improved performance and absence of prior year nonrecurring losses.
Total assets grew 7.5% to $2.26 billion at September 30, 2025, primarily from loan portfolio growth.
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 13.1% year-over-year and 6.2% from Q2 2025, with net interest margin rising to 3.58%.
Noninterest income for Q3 2025 was $2.1 million, down 29.1% year-over-year but up 17% from Q2 2025, mainly due to changes in gains on sale of government guaranteed loans.
Noninterest expense for Q3 2025 was $11.9 million, up 9.5% year-over-year but down 2% sequentially.
Provision for credit losses was $653 thousand in Q3 2025, up from a recovery of $1.0 million in Q3 2024.
For the nine months ended September 30, 2025, net interest income was $54.0 million, up 10.1% year-over-year, and noninterest income was $5.8 million, up 126% due to the absence of prior year securities losses.
Outlook and guidance
Management expects continued growth in loans and deposits, focusing on asset quality and capital adequacy, and is expanding market presence and banker recruitment amid increased M&A activity.
The company remains well-capitalized and compliant with all regulatory requirements.
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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