Coastal States Bank

Headquarters: Hilton Head Island, South Carolina
Charter: Bank
Assets: $2.4B
Fed district: Richmond
Regulator: Federal Reserve
Holding company: Coastalsouth Bancshares Inc.

16 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 17, 2026.

Overview

Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 17, 2026

How these figures are measured

Call-report figures are for Coastal States Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FFIEC call report (bulk data) RCON2170	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Revenue	Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4074 + RIAD4079	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge income	Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4080	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Coastal States Bank's published fee schedule; Bank Fee Index medians	Current schedule	Oct 17, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: Coastal States Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $234K in Q2 2026, 8.3% above the same quarter a year earlier ($216K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Compared at $4.48, the middle of its prices
Coastal States Bank: $2 to $6.95
Coastal States Bank: $2 to $6.95
U.S. median: no median
Overdraft (OD)
Coastal States Bank: $31
Coastal States Bank: $31
U.S. median: no median
NSF / Returned Item
Coastal States Bank: $31
Coastal States Bank: $31
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 17, 2026View sources

Each amount links to the fee schedule it was read from. Medians for South Carolina, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
South Carolina: Banks and credit unions headquartered in South Carolina that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income rose 13% from Q3 2025 to Q2 2026, to $234K.

Service-charge income, Q2 2026

$234K

$208KQ3 2025

$256KQ4 2025

$232KQ1 2026

$234KQ2 2026

Against the median

Coastal States BankMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

Coastal States Bank · $2.4B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 15 states.

Banks only
$2.3B to $2.5B in assets
Headquartered in 15 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Coastal States Bank(this institution)	Hilton Head Island, SC	$2.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Anderson Brothers Bank	Mullins, SC	$2.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank Iowa	West Des Moines, IA	$2.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Cogent Bank	Orlando, FL	$2.5B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Commercial Bank	Harrogate, TN	$2.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Crews Bank & Trust	Wauchula, FL	$2.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
El Dorado Savings Bank, F.S.B.	Placerville, CA	$2.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Farmers and Merchants Trust Company of Chambersburg	Chambersburg, PA	$2.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
First Bank of the Lake	Osage Beach, MO	$2.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
First County Bank	Stamford, CT	$2.4B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First United Bank	Dimmitt, TX	$2.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Guaranty Bank	Springfield, MO	$2.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Intercredit Bank, National Association	Coral Gables, FL	$2.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
John Marshall Bank	Reston, VA	$2.4B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Luana Savings Bank	Luana, IA	$2.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Omb Bank	Springfield, MO	$2.4B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Peoples Bank	Bellingham, WA	$2.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pioneer Bank, National Association	Albany, NY	$2.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
QNB Bank	Quakertown, PA	$2.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Security First Bank	Lincoln, NE	$2.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Texas First Bank	Texas City, TX	$2.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
TexasBank	Brownwood, TX	$2.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The Bank of Commerce	Ammon, ID	$2.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Ephrata National Bank	Ephrata, PA	$2.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Traditional Bank, Inc.	Mount Sterling, KY	$2.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
United Bank of Iowa	Ida Grove, IA	$2.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 19 publish this fee(monthly maintenance)

6 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $5.53 (55%) below the median of similar-sized banks.

Compared at $4.48, the middle of its two prices, against a peer median of $10 among 19 publishing peers.

Its two checking prices are $2 and $6.95.

$4.48 is a comparison price, not a fee anyone is charged.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026.

Monthly maintenance fee in dollars, one mark per institution

Coastal States Bank: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (equal prices stack)Peer medianInclude $50 outlierShown past the axis break, not to scale, so the rest of the set has room.

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Coastal States Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $234K
vs prior quarter: +$2K+0.9%; from Q1 2026
vs a year earlier: +$18K+8.3%; from Q2 2025
vs start of range: +$27K+13.0%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Coastal States Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$234K	+$2K	+0.9%
Q1 2026	$232K	−$24K	−9.4%
Q4 2025	$256K	+$48K	+23.1%
Q3 2025	$208K	−$8K	−3.7%
Q2 2025	$216K	+$6K	+2.9%
Q1 2025	$210K	−$19K	−8.3%
Q4 2024	$229K	+$22K	+10.6%
Q3 2024	$207K	+$9K	+4.5%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Coastal States Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly Maintenance$6.95
per month
Monthly Maintenance$2
per month
Closing Account (If open less than 90 days)$15
Dormant Account (Per Month)$5
per month
Account Research (per hour)$20
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Returned Items or Overdraft (Per Item)$31
per item
Returned Items or Overdraft (Per Item)$31
per item

ATM & Card

ATM/Debit Card Replacement$10

Wire Transfers

Wire Transfer (Domestic Out)$5
Wire Transfer Service: Outgoing$15
Wire Transfer Service: IncomingNo charge
Wire Transfer (Int'l Out)$35
Wire Transfer Service: International$45

Check Services

Cashier Checks: Customer$5
Stop Payments$31
Photocopies of checks (per check)$3
per item

Cash & Deposit

Deposited Returned Item (Processing)$5
Deposited Returned Item (Special Handling)$10
Night Depository Key Replacement$10

Account Services

Garnishments/Levies$50

Other Fees

Duplicate Statements$5

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance	$6.95	per month	None
Monthly Maintenance	$2	per month	None
Closing Account (If open less than 90 days)	$15	Not stated	None
Dormant Account (Per Month)	$5	per month	None
Account Research (per hour)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Returned Items or Overdraft (Per Item)	$31	per item	None
Returned Items or Overdraft (Per Item)	$31	per item	None
ATM & Card
ATM/Debit Card Replacement	$10	Not stated	None
Wire Transfers
Wire Transfer (Domestic Out)	$5	Not stated	None
Wire Transfer Service: Outgoing	$15	Not stated	None
Wire Transfer Service: Incoming	No charge	Not stated	None
Wire Transfer (Int'l Out)	$35	Not stated	None
Wire Transfer Service: International	$45	Not stated	None
Check Services
Cashier Checks: Customer	$5	Not stated	None
Stop Payments	$31	Not stated	None
Photocopies of checks (per check)	$3	per item	None
Cash & Deposit
Deposited Returned Item (Processing)	$5	Not stated	None
Deposited Returned Item (Special Handling)	$10	Not stated	None
Night Depository Key Replacement	$10	Not stated	None
Account Services
Garnishments/Levies	$50	Not stated	None
Other Fees
Duplicate Statements	$5	Not stated	None

Correct a fee source

Oct 17, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Branches and public record

Where Coastal States Bank operates, and what regulators and customers have on file.

Market position

In Hilton Head Island-Bluffton-Port Royal, SC, Coastal States Bank holds 17% of bank deposits, #1 of 21, with 5 offices.

Compare fees with the 91 Atlanta-Sandy Springs-Roswell, GA banks and credit unions in its home-metro peer set →

The fee comparison uses its home metro, Atlanta-Sandy Springs-Roswell, GA.

Offices in the metro

62 offices of 24 institutions shown.

Coastal States BankOther banksCredit unions

Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: Hilton Head Island-Bluffton-Port Royal, SC metro (FDIC metro code 25940), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1Coastal States Bank17.0%
2SouthState Bank, National Association16.2%
3Wells Fargo Bank, National Association14.2%
4Bank of America, National Association12.0%
5Truist Bank8.8%
6TD Bank, National Association8.5%
7South Atlantic Bank4.3%
8Regions Bank3.5%

8 of 21 institutions shown. $7.0B in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: Hilton Head Island-Bluffton-Port Royal, SC metro (FDIC metro code 25940)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

Position over time, 2010 to 2026

June 2026: 17% share, 5 offices, #1 of 21

Deposit share

Offices

Rank (1 is largest)

Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2010 to 2026
Area: Hilton Head Island-Bluffton-Port Royal, SC metro as the FDIC coded each office that year; metro boundaries can change between years
Calculation: Same as the share chart, year by year. Offices counted at June 30. A merger moves the acquired offices to the buyer from that year on.

Credit unions, reported separately

5 offices of 3 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.

Source: NCUA branch file, quarter ending June 30, 2026.

Enforcement actions

1 past action

Past

Written AgreementFebruary 2, 2012
Federal Reserve, against the holding company, CoastalSouth Bancshares, Inc.. Ended March 10, 2014 · Order

Source: public enforcement action lists from the Federal Reserve, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.

Holding company

CoastalSouth Bancshares, Inc. (NYSE: COSO)

Consolidated assets

$2.4B

Shareholders' equity

$269.7M

As of

2026Q2

Net income by quarter

Recent SEC filings

8-K8-K2026-10-19View
10-Q10-Q2026-08-07View
8-K8-K2026-07-24View
8-K8-K2026-07-20View
10-Q10-Q2026-05-08View
8-K8-K2026-05-01View
8-K8-K2026-04-24View
8-K8-K2026-04-20View
DEF 14ADEF 14A2026-03-13View
10-K10-K2026-03-12View
8-K8-K2026-03-04View
8-K8-K2026-01-20View

Source: SEC EDGAR filings and XBRL financial data, CIK 1297107. Holding-company figures include every subsidiary and are not comparable to the bank-level call reports above.

Fee change alerts

Get an email when Coastal States Bank's early account closure changes in our data

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