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CoastalSouth Bancshares ( (COSO) ) has issued an announcement.
On January 20, 2026, CoastalSouth Bancshares reported record full-year 2025 net income of $24.9 million, or $2.16 per diluted share, up from $21.9 million, or $2.09 per diluted share, in 2024, alongside fourth-quarter 2025 earnings of $7.1 million, or $0.58 per diluted share, marking sequential and year-on-year improvement. The bank posted solid profitability metrics, including a fourth-quarter return on average assets of 1.24% and an efficiency ratio of 55.34%, while net interest margin widened to 3.60% as funding costs fell and average earning assets expanded. Balance sheet growth was robust, with total assets rising 9.9% year-on-year to $2.31 billion, loans held for investment increasing 14.7% to $1.62 billion, and deposits climbing 8.3% to $1.99 billion by December 31, 2025, underpinned by strong loan production and core deposit growth. Credit quality remained generally sound, with net charge-offs at 0.00% for the quarter and an allowance for credit losses on loans of 1.16%, although nonperforming assets edged up to 0.79% of total assets largely due to a single senior housing construction loan moving to nonaccrual. Management highlighted a 23.6% year-on-year increase in pre-tax pre-provision net revenue and announced a strategic expansion into the Charleston, South Carolina market, assembling a local commercial banking team to drive further loan and deposit growth and deepen the bank’s positioning in the Lowcountry region.
The most recent analyst rating on (COSO) stock is a Buy with a $26.00 price target. To see the full list of analyst forecasts on CoastalSouth Bancshares stock, see the COSO Stock Forecast page.
More about CoastalSouth Bancshares
CoastalSouth Bancshares, Inc., headquartered in Atlanta, Georgia, is the holding company for Coastal States Bank, a South Carolina state‑chartered commercial bank. Through its subsidiary, the company provides a full range of banking products and services tailored to businesses, real estate professionals and retail consumers, with a relationship-focused strategy and a growing presence in the Lowcountry region, including a newly announced expansion into the Charleston, South Carolina market.
Average Trading Volume: 49,707
Technical Sentiment Signal: Buy
Current Market Cap: $322.9M
See more insights into COSO stock on TipRanks’ Stock Analysis page.