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CoastalSouth Bancshares (COSO) investor relations material

CoastalSouth Bancshares Q2 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Q2 2025 earnings summary28 Jul, 2025

Executive summary

  • Net income for Q2 2025 was $6.0 million ($0.57 per diluted share), up from $5.9 million in Q2 2024 and $5.1 million in Q1 2025, driven by a lower effective tax rate and improved margins.

  • Year-to-date net income reached $11.0 million, up from $8.3 million in the prior year period, aided by the absence of a prior year nonrecurring securities loss.

  • Total assets grew 5.8% to $2.22 billion at June 30, 2025, primarily due to strong loan growth.

  • The company completed its IPO in July 2025, raising $34.0 million in net proceeds; shares began trading on NYSE under "COSO."

  • Growth in loans held for investment and sale, core deposits, and net interest margin, supported by strategic hires.

Financial highlights

  • Net interest income for Q2 2025 was $18.1 million, up 8.6% year-over-year and 7.9% from Q1 2025; net interest margin increased to 3.46%.

  • Noninterest income for Q2 2025 was $1.8 million, up 13.0% year-over-year but down 4.6% sequentially, mainly from higher gains on government guaranteed loan sales.

  • Noninterest expense rose to $12.1 million in Q2 2025, up 13.5% year-over-year and 5.9% sequentially, driven by higher salaries, benefits, and professional fees.

  • Provision for credit losses increased to $752 thousand in Q2 2025 from $173 thousand in Q2 2024, reflecting higher loan production and changes in economic factors.

  • Book value per share rose to $20.37; tangible book value per share to $19.88 at June 30, 2025.

Outlook and guidance

  • Management expects continued loan and deposit growth, stable asset quality, and a focus on core banking operations and efficiency, supported by recent hires.

  • The company remains asset sensitive to interest rates and expects net interest income to benefit from rising rates, though a flat or inverted yield curve could pressure margins.

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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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