CoastalSouth Bancshares, Inc. (COSO)

CoastalSouth Bancshares Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	115.91	108.79	103.32	91.34	56.37	41.24
Interest Income on Investments	18.1	18.92	20.33	15.68	10.22	4.76
Total Interest Income	134.01	127.71	123.65	107.02	66.58	46
Interest Paid on Deposits	50.9	52.28	53.44	39.3	7.38	3.57
Interest Paid on Borrowings	1.31	1.54	4.88	3.42	2.24	1.19
Total Interest Expense	52.21	53.82	58.33	42.72	9.62	4.75
Net Interest Income	81.8	73.89	65.32	64.29	56.96	41.25
Net Interest Income Growth	16.36%	13.12%	1.60%	12.87%	38.10%	29.25%
Gain (Loss) on Sale of Investments	-0.01	-0.01	-3.47	-0.52	-	-0.06
Other Non-Interest Income	5.6	5.63	5.32	7	4.53	6.04
Total Non-Interest Income	9.79	8.07	4.51	8.59	7.19	9.55
Non-Interest Income Growth	26.62%	78.80%	-47.48%	19.53%	-24.69%	48.62%
Revenues Before Loan Losses	91.59	81.96	69.84	72.89	64.15	50.79
Provision for Loan Losses	1.77	3.2	0.55	1.54	5.08	1.33
Revenue	89.82	78.77	69.28	71.35	59.07	49.47
Revenue Growth	20.15%	13.69%	-2.89%	20.77%	19.42%	40.93%
Salaries and Employee Benefits	31.67	27.37	24.89	23.48	22.45	21.06
Occupancy Expenses	2.47	2.22	1.9	1.93	1.76	1.66
Federal Deposit Insurance	1.4	1.49	1.29	1.48	1.16	1.01
Selling, General & Administrative	11.07	11.23	10.26	9.96	8.07	8.49
Other Non-Interest Expense	5.78	5.32	3.74	3	1.8	0.98
Total Non-Interest Expense	52.39	47.63	42.07	39.85	35.24	33.57
EBT Excluding Unusual Items	37.43	31.14	27.22	31.5	23.83	15.89
Other Unusual Items	-	-	-	-	-	1.65
Pretax Income	37.43	31.14	27.22	31.5	23.83	15.47
Income Tax Expense	7.86	6.24	5.31	7.02	5.64	3.14
Earnings From Continuing Operations	29.57	24.89	21.9	24.48	18.19	12.32
Net Income	29.57	24.89	21.9	24.48	18.19	12.32
Net Income to Common	29.57	24.89	21.9	24.48	18.19	12.32
Net Income Growth	26.04%	13.64%	-10.52%	34.57%	47.62%	93.50%
Basic Shares Outstanding	12	11	10	9	9	8
Diluted Shares Outstanding	12	12	10	10	9	8
Shares Change	12.23%	10.02%	10.16%	7.36%	6.37%	4.22%
EPS (Basic)	2.46	2.24	2.15	2.61	2.09	1.51
EPS (Diluted)	2.39	2.16	2.09	2.58	2.05	1.48
EPS Growth	12.60%	3.35%	-18.99%	25.85%	38.51%	85.09%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Effective Tax Rate	21.00%	20.05%	19.52%	22.28%	23.67%	20.33%

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Oct 31, 2026

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