CoastalSouth Bancshares Q4 2025 Earnings Report

CoastalSouth Bancshares EPS Results

• Actual EPS: $0.58
• Consensus EPS: $0.62
• Beat/Miss: Missed by -$0.04
• One Year Ago EPS: N/A

CoastalSouth Bancshares Revenue Results

• Actual Revenue: $22.16 million
• Expected Revenue: $22.30 million
• Beat/Miss: Missed by -$140.00 thousand
• YoY Revenue Growth: N/A

CoastalSouth Bancshares Announcement Details

• Quarter: Q4 2025
• Date: 1/20/2026
• Time: After Market Closes
• Conference Call Date: Tuesday, January 20, 2026
• Conference Call Time: 7:00AM ET

CoastalSouth Bancshares (NYSE:COSO) is a bank holding company headquartered in Atlanta, Georgia. Through our wholly owned subsidiary, Coastal States Bank, a South Carolina state-chartered commercial bank, we offer a full range of banking products and services designed for businesses, real estate professionals, and consumers looking for a deep and meaningful relationship with their bank. Today, we have a community banking presence in some of the fastest growing and most business-friendly markets in the U.S., namely the Lowcountry of South Carolina (Hilton Head Island, Bluffton, and Beaufort), nearby Savannah, Georgia, and the Atlanta, Georgia market. --- In addition to our traditional community banking operations, we operate four specialty lines of business that provide scalability and diversification: • Senior Housing Lending - focuses on lending to operators across the spectrum of senior care, with an emphasis on assisted living; • Marine Lending - focuses on consumer loans primarily to high-net-worth borrowers secured by yachts and high-end sport fishing vessels; • Government Guaranteed Lending - focuses on origination of small business and other loans guaranteed by the SBA and USDA; and • Mortgage Banker Finance - focuses on mortgage warehouse lending to mortgage originators. By combining the relationship-based focus of a community bank with our specialty lines of business, we believe we can capitalize on the substantial growth opportunities available in our markets, particularly given the scarcity of community banks between $1.5 billion and $5.0 billion in total assets. Our principal executive offices are located in Atlanta, Georgia.