CoastalStates Bank


5 Bow Circle
Hilton Head Island, SC 29928
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.15% 0.85% →
1-Year CD 0.45% 0.75% →
2-Year CD 0.65% 0.80% →
5-Year CD 1.15% 1.25% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

CoastalStates Bank is an FDIC insured institution located in Hilton Head Island, SC. It was founded in 2004 and has approximately $1.26 billion in assets. Customers can open an account at one of its 5 branches.

FDIC Insured Yes
FDIC Certificate # 57756
Date Established 2004
Assets $ 1,259.48 million
Loans $ 858.51 million
Deposits $ 1,118.77 million
Capital $ 114.88 million

For a more detailed analysis of CoastalStates Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 24, 2021

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
0.15% $2,500 $4,999 Learn More
Money Market
0.30% $2,500 $2,999 Learn More
Money Market
0.30% $10,000 $14,999 Learn More
Money Market
0.30% $25,000 $29,999 Learn More
6 Mo CD
0.30% $10,000 $14,999 Learn More
6 Mo CD
0.30% $100,000 $199,999 Learn More
12 Mo CD
0.45% $10,000 $14,999 Learn More
12 Mo CD
0.45% $100,000 $199,999 Learn More
18 Mo CD
0.65% $10,000 $14,999 Learn More
18 Mo CD
0.65% $100,000 $199,999 Learn More
24 Mo CD
0.65% $10,000 $14,999 Learn More
24 Mo CD
0.65% $100,000 $199,999 Learn More
36 Mo CD
0.80% $10,000 $14,999 Learn More
36 Mo CD
0.80% $100,000 $199,999 Learn More
48 Mo CD
1.00% $10,000 $14,999 Learn More
48 Mo CD
1.00% $100,000 $199,999 Learn More
60 Mo CD
1.15% $10,000 $14,999 Learn More
60 Mo CD
1.15% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 $99 Learn MoreShow Less
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less

Loan Rates - October 24, 2021

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for CoastalStates Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
3.610% 3.500%
0.88 points
$3,438 fees
$1,123 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to CoastalStates Bank
To upload and update your bank's rates please register. It is free to register and add rates.


CoastalStates Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

CoastalStates Bank Locations

Climate Initiatives

CoastalStates Bank is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

Financial Details

CoastalStates Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of CoastalStates Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
CoastalStates Bank U.S. Bank Average
2.89% 4.78%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2021, CoastalStates Bank had $2,752,000 in non-current loans and $778,000 in owned real estate. To cover these potential losses it had $114,883,000 in equity and $7,157,000 in loans loss reserves. That gives it a Texas Ratio of 2.89%.

Return on Equity
CoastalStates Bank U.S. Bank Average
12.15% 11.29%

CoastalStates Bank has a Return on Equity of 12.15% versus the BestCashCow average of 11.29%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

CoastalStates Bank U.S. Bank Average
9.12% 11.72%

CoastalStates Bank has a Capitalization of 9.12% versus the BestCashCow average of 11.72. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

CoastalStates Bank Balance Sheet Analysis

As of June 30, 2021, CoastalStates Bank had assets of $1,259,476,000, loans of $858,507,000, and deposits of $1,118,770,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2021
Cash & Balances due from depository institutions $ 100.90 million
Interest-bearing balances $ 90.28 million
Total securities $ 154.42 million
Federal funds sold and reverse repurchase $ 82.50 million
Net loans and leases $ 858.51 million
Loan loss allowance $ 7.16 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.78 million
Goodwill and other intangibles $ 6.32 million
All other assets $ 36.94 million
     Total Assets $ 1,144.59 million
Total deposits $ 1,118.77 million
      Interest-bearing deposits $ 785.49 million
      Deposits held in domestic offices $ 1,118.77 million
      % insured (estimated) 56.49%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 21.96 million
Subordinated debt N.A.
All other liabilities $ 3.86 million
      Total Liabilities $ 1,144.59 million
      Shareholders’ Equity $ 114.88 million

Summary Income Statement

June 30, 2021
Total Interest Income $ 21.75 million
Total Interest Expense $ 1.94 million
Net interest income $ 19.81 million
Provision for loan and lease losses $ 0.23 million
Total non interest income $ 4.63 million
Total non interest expense $ 15.49 million
Pre-tax Net Operating Income $ 8.73 million

Bank Loan Profile?

The top three loan types in CoastalStates Bank’s loan portfolio are Commercial and Industrial Loans, Commercial Real Estate, and 1-4 Family Residential Loans.

Compared to other banks in South Carolina, CoastalStates Bank has a significantly higher percent of Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 9.25
Credit Card Loans 0.00
Consumer Auto Loans 0.02
Small Business Loans 6.39
Construction and Development Loans 6.78
Commercial Real Estate 33.13
Commercial and Industrial Loans 39.32
Farm Loans 0.00

Frequently Asked Questions About Coastalstates Bank

Branches and Savings

Is Coastalstates Bank FDIC insured?

Yes. It is covered under FDIC Certificate #57756.

Why does Coastalstates Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Coastalstates Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Coastalstates Bank a commercial bank?


Where are Coastalstates Bank locations?

See branch locations nearby.

Is Coastalstates Bank open on Saturdays?

Is Coastalstates Bank open on Sundays?

What time does Coastalstates Bank open?

What time does Coastalstates Bank close?

Are Coastalstates Bank ATMs Open 24/7?

Do Coastalstates Bank ATMs accept cash deposits?

Can Coastalstates Bank customers use other ATMs?

Do Coastalstates Bank branches have notaries?

Will Coastalstates Bank notarize my document?

What address for Coastalstates Bank should I put for incoming ACH transfers?

Will the Coastalstates Bank branch print checks?

Do Coastalstates Bank checks expire?

Does Coastalstates Bank require US citizenship to open account?

Can Coastalstates Bank close my account?

Does Coastalstates Bank Report to credit bureaus?

Does Coastalstates Bank Use Equifax?

What is Coastalstates Bank's ACH Routing Number?

What is Coastalstates Bank's SWIFT code?


Does Coastalstates Bank offer mortgages?

Compare mortgage rates here.

Does Coastalstates Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Coastalstates Bank offer personal loans?

Compare personal loan rates here.

Does Coastalstates Bank offer student loans?

Will Coastalstates Bank cash a check?

Will Coastalstates Bank redeem a savings bond?

Does Coastalstates Bank cash savings bonds?

Will Coastalstates Bank cash money orders?

Can Coastalstates Bank issue a money order?

Does Coastalstates Bank do currency exchange?

Background on The Bank

Who owns Coastalstates Bank?

How long has Coastalstates Bank been around?

Can Coastalstates Bank transfer to other banks?

Does Coastalstates Bank have quick pay?

Does Coastalstates Bank accept rolled coins?

Will Coastalstates Bank accept loose change?

Where is Coastalstates Bank headquarters?

Customer Reviews for CoastalStates Bank

There are currently no comments for CoastalStates Bank. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →