)
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.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.
Next CoastalSouth Bancshares earnings date
Next CoastalSouth Bancshares earnings date
The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
I can't remember the last time an app had such a positive impact on my investment process.
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
I can't remember the last time an app had such a positive impact on my investment process.
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
Frequently asked questions
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Explore our global coverage
)
)