Coastalsouth Bancshares, Inc. · NYSE:COSO
Coastalsouth Bancshares — Q4 2025 Earnings Presentation
23 slides from Coastalsouth Bancshares's earnings presentation, Jan 20, 2026
Slide 1: Fourth Quarter 2025 Investor Presentation
Exhibit 99.2 CoastalSouth Bancshares, Inc. Third Quarter 2025 Investor Presentation October 20, 2025 Fourth Quarter 2025 Investor Presentation January 20, 2026
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 $2.31 Billion Total Deposits $1.99 Billion Total Loans $1.79 Billion Tier 1 Leverage(1) CSB Strategic Expansion 11.18% CSB Branch CET1(1) • Best-in-class growth profile with 1-year CAGR for Total Loans of 12.9% and 12.30% 1-year CAGR for TBV(2)/Share of 14.8% • Strong r
Slide 5: Quarterly Highlights: Q4 2025
Quarterly Highlights: Q4 2025 Diluted Earnings Per Share Book Value Per Share $21.66 $0.58 $0.58 $2.31 $0.54 $0.57 $0.54 $20.37 $20.91 $20.49 $21.25 Diluted EPS Billion in Total $19.67 $19.88 Assets $19.17 $0.47 $19.01 $18.51 11.24% 16.44% Return on Average QoQ Annualized Tangible Common LHFI(2) Gro
Slide 6: Strategic Expansion: Charleston, SC
Strategic Expansion: Charleston, SC Charleston-North Charleston, SC MSA Overview (1) • $23.1 billion in total deposits; 198 branches (2) • Median household income of approximately $85 thousand in 2025; expected growth in household income 2026-2031 of 13.25% • Projected population growth over the nex
Slide 7: Loans Held for Investment Production
Loans Held for Investment Production LHFI Production (1) • $225.1 million in gross LHFI production for Q4 (in millions) $159.1 2025, $776.3 million in gross LHFI production year to date. $131.6 $124.2 • Community Bank loan production is approximately $92.8 64% of total LHFI production for YTD 2025.
Slide 8: Loan Portfolio
Loan Portfolio Loan Portfolio Composition • Loan portfolio is well diversified across loan types and Other Loans, 6% ADC, 8% geographies and managed by a seasoned team of bankers and Residential credit officers. Mortgage, 11% • Conservative relationship lending limits with well structured underwriti
Slide 9: Deposit Portfolio
Deposit Portfolio • Average total deposits increased $44.1 million compared to the prior quarter and increased $137.0 million compared to the Q4 2024. • Interest-bearing deposit costs decreased 14 bps compared to Q3 2025 and 43 bps compared Q4 2024. • Decrease in deposit cost driven by active deposi
Slide 10: Capital
Capital Risk-Based Capital Ratios (1) • Net unrealized securities losses in AOCI improved 12.90% 12.45% 12.89% 13.31% by $1.7 million to $11.4 million in Q4 2025. 12.06% 0.83% 0.95% 1.01% 0.90% 0.97% • Tier 1 leverage ratio increased 3 bps to 11.18% as compared to Q3 2025; tangible common equity to
Slide 11: Net Interest Margin
Net Interest Margin Net Interest Income / Margin • Net interest income increased $0.7 million compared to (in millions) the prior quarter and $3.6 million compared to Q4 2024. 3.58% 3.60% 3.46% • In Q3 2025, the yield on investment securities was 3.38% positively impacted by $225 thousand on certain
Slide 12: Interest Rate Sensitivity
Interest Rate Sensitivity Cumulative Loan and Deposit Betas (1) • The cycle-to-date (1) beta on total loans, compared to the average Fed Funds Effective Target rate was 60.4% 31%. The cycle-to-date (1) total deposit beta was 38%. 38.4% 36.7% 41.6% 38.0% • Approximately 43.6% of variable rate structu
Slide 13: Noninterest Income
Noninterest Income • Gain on sale of government guaranteed loans (“GGL”) Noninterest Income (in thousands) was $682 thousand for Q4 2025 compared to $613 $2,295 thousand in Q3 2025. $2,100 • YTD GGL loan production was $57.3 million. At the end of Q4 2025, there are approximately $15.7 million $1,95
Slide 14: Noninterest Expense
Noninterest Expense Noninterest Expense (in thousands) Efficiency Ratio QTD $12,262 $12,092 61.3% $11,856 60.8% $640 $11,419 $653 $647 $624 $719 $808 $788 56.7% $10,335 $703 $814 $864 55.7% 55.3% $605 $850 $788 $391 $774 $973 $571 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 $693 $762 $1,915 $496 $1,936
Slide 15: Credit Quality
Credit Quality Net Charge-Offs as a % of Average Loans • Net charge-offs (“NCO”) continue to be minimal, with an average ratio of NCO to average LHFI of 0.01% over the last 5 consecutive quarters. • Nonperforming assets increased during the quarter due primarily to the downgrade of one senior housin
Slide 16: Allowance for Credit Losses
Allowance for Credit Losses • The coverage level of the Allowance for Credit Losses (“ACL”) has remained relatively stable for the last several quarters. • Net charge-off activity remains minimal. • Changes in the provision for ACL are driven by the impact of net charge-offs, loan production volume
Slide 17: Appendix
COASTALSOUTH BANCSHARES, INC. Appendix
Slide 18: 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 19: Business Evolution & Milestones
Business Evolution & Milestones 2004 Founded in August 2004 in Hilton Head Island, SC Early History & Recapitalization Hired new management team (formerly of C&S) in conjunction with $62 million 2017 recapitalization; added GGL (1) & Senior Housing businesses 2018 Acquired First Citizens Financial C
Slide 20: Specialty Lines of Business
Specialty Lines of Business Senior Housing Lending (in millions) Marine Lending (in millions) $259.5 $318.2 $245.3 $301.3 $312.1 $234.1 $236.5 $263.7 $284.3 $223.7 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Loan Balance Loan Balance Marine Lending Production (in
Slide 21: Specialty Lines of Business
Specialty Lines of Business Government Guaranteed Lending (in millions) Mortgage Banker Finance - LHFS (in millions) 8.35% 7.90% 7.89% 8.11% 7.55% $82.6 $87.4 $231.6 $79.2 $209.1 $70.8 $69.6 $187.5 $174.0 $170.9 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Loan Bal
Slide 22: Non-GAAP Reconciliation
Non-GAAP Reconciliation 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 Year Ended December 31, September 30, June 30, March 31, December 31, December 31, December 31, (dollars in thousands, except per share
Slide 23: Non-GAAP Reconciliation (cont.)
Non-GAAP Reconciliation (cont.) Adjusted Nonperforming Assets to Total Assets (unaudited) As of and for the Three Months Ended As of and for the Year Ended December 31, September 30, June 30, March 31, December 31, December 31, December 31, (dollars in thousands) 2025 2025 2025 2025 2024 2025 2024 T
CoastalSouth Bancshares — Q4 2025 Earnings Presentation on 6ix