Coastalsouth Bancshares, Inc. · NYSE:COSO
Coastalsouth Bancshares — Q3 2026 Earnings Presentation
22 slides from Coastalsouth Bancshares's earnings presentation, Oct 19, 2026
Slide 1: Third Quarter 2026 Investor Presentation
CoastalSouth Bancshares, Inc. Third Quarter 2025 Investor Presentation October 20, 2025 October 19, 2026 Third Quarter 2026 Investor Presentation Exhibit 99.2
Slide 2: Disclosures: Forward Looking Statements
Disclosures Forward Looking Statements Statements in this Investor Presentation regarding future events and our expectations and beliefs about our future financial performance and financial condition, as well as trends in our business and markets, constitute “forward-looking statements” within the m
Slide 3: Disclosures: Non-GAAP Financial Measures
Disclosures Non-GAAP Financial Measures In addition to results presented in accordance with U.S. generally accepted accounting principles (“GAAP”), this Investor Presentation contains certain non-GAAP financial measures. The Company believes that providing certain non-GAAP financial measures provide
Slide 4: Company Overview
Company Overview Total Assets $2.42 Billion Total Deposits $2.10 Billion Total Loans $1.93 Billion Tier 1 Leverage(1) 11.07% CET1(1) 12.30% # of Banking Offices 12 Best-in-class growth profile Strong risk management and unwavering focus on credit quality Established and efficient community banking f
Slide 5: Quarterly Highlights: Q3 2026
Diluted EPS QoQ Annualized LHFI Growth Return on Average Tangible Common Equity(1) Return on Average Assets Net Interest Margin Quarterly Highlights: Q3 2026 Non-GAAP financial measure; for a reconciliation of Non-GAAP financial measures to their most directly comparable GAAP measure see the Appendi
Slide 6: Loans Held for Investment Production
Loans Held for Investment Production $248.2 million in gross LHFI production for Q3 2026. As of September 30, 2026, these loans had a funded balance of $148.9 million and unfunded commitments of $74.1 million.(3) Community bank and senior housing (SHG) loan production was approximately 54% and 23% o
Slide 7: Loan Portfolio
Loan Portfolio Loan portfolio is well diversified across loan types and geographies and managed by a seasoned team of bankers and credit officers. Conservative underwriting guidelines and loan structures help to mitigate risk. CRE and ADC concentrations were 253% and 53% at the end of Q3 2026, still
Slide 8: Deposit Portfolio
Deposit Portfolio Reflects the effect of non-interest-bearing deposits. Non-GAAP financial measure; for a reconciliation of Non-GAAP financial measures to their most directly comparable GAAP measure see the Appendix. Average total deposits increased $23.2 million compared to the prior quarter and in
Slide 9: Investment Securities Metrics
Investment Securities Metrics As of 9/30/2026 AFS Securities $ 332.7 Million Non-Marketable Equity Securities (1) $ 8.9 Million AFS as a % of portfolio 97.39% QTD Weighted Average Yield 4.53% Average Life 5.65 years Modified Duration 4.31 Securities Portfolio Key Metrics Estimated Short Term Cashflo
Slide 10: Capital
Capital *Q3 2026 regulatory capital ratios are preliminary. (1) Capital ratios presented are for Coastal States Bank. (2) Non-GAAP financial measure; for a reconciliation of Non-GAAP financial measures to their most directly comparable GAAP measure see the Appendix. Share repurchase program continue
Slide 11: Net Interest Margin
Net Interest Margin (1) Annualized Net interest income increased $862 thousand compared to Q2 2026 and increased $2.3 million compared to Q3 2025. Net interest margin improved 4 bps due to a modest increase in yields on interest earning assets, offset by a slight increase in cost of interest-bearing
Slide 12: Noninterest Income
Noninterest Income Gain on sale of government guaranteed loans (“GGL”) was $1.6 million for Q3 2026. QTD GGL loan production was $26.8 million. At the end of Q3 2026, there are approximately $10.3 million loans, including $9.8 million in multi-disbursement structures, that have been closed but have
Slide 13: Noninterest Expense
Noninterest Expense Salaries and benefits increased during the third quarter due to increased commissions payable on production, the impact of hiring new bankers, and other compensation accrual adjustments. The Company continues to focus on organic growth and expansion through banker recruitment, wi
Slide 14: Credit Quality
Credit Quality NPAs decreased this quarter, due primarily to a paydown on one of our nonaccrual senior housing loans. NPAs consist of $7.0 million in senior housing loans, down from $10.8 million at Q2 2026, $6.3 million in government guaranteed loans (with approximately $4.2 million of guaranteed b
Slide 15: Allowance for Credit Losses
Allowance for Credit Losses The coverage level of the Allowance for Credit Losses (“ACL”) decreased during the last quarter due primarily to changes in the economic forecast assumptions and loan mix, offset by increases in loan volume. The Company carries an ACL on Loans for $19.6 million and an ACL
Slide 16: Appendix
COASTALSOUTH BANCSHARES, INC. Appendix
Slide 17: Core Operating Principles
Core Operating Principles We believe that by focusing on our five core values outlined below, we can create meaningful relationships between our Bank, team members, clients, and our communities Each of these relationships is critical to our financial success and supports our capacity to drive shareh
Slide 18: Business Evolution & Milestones
Business Evolution & Milestones Government Guaranteed Lending business; loans made through U.S. Small Business Administration (“SBA”) and United States Department of Agriculture (“USDA”) programs As of March 31, 2018 As of March 31, 2021 Early History & Recapitalization Expansion in Key Southeast MS
Slide 19: Specialty Lines of Business
Specialty Lines of Business Note: There was no senior housing production in Q2 2026.
Slide 20: Specialty Lines of Business
Specialty Lines of Business * Includes $0.4 million of loans classified as held for sale at March 31, 2026.
Slide 21: Non-GAAP Reconciliation
Non-GAAP Reconciliation Annualized data. Tangible Book Value per Share / Tangible Common Equity to Tangible Assets (unaudited) As of and for the Three Months Ended As of and for the Nine Months Ended September 30, June 30, March 31, December 31, September 30, September 30, September 30, (dollars in
Slide 22: Non-GAAP Reconciliation (cont.)
Non-GAAP Reconciliation (cont.) PPNR (unaudited) As of and for the Three Months Ended As of and for the Nine Months Ended September 30, June 30, March 31, December 31, September 30, September 30, September 30, (dollars in thousands) 2026 2026 2026 2025 2025 2026 2025 Net income (GAAP-based) $ 8,772
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