Compared with South Carolina
2 of 15
compared fees are above the median.
7 below, 6 about the same.
About the same: within 1% of the median.
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
19th percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the South Carolina median
of 15 compared; 7 below, 6 about the same
See the feesFee schedule read Oct 17, 2026
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) One quarter, as reported. Median and percentile from each of 869 banks with $1B to $10B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the South Carolina median | Published fees above the South Carolina 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
Service charges were 1.0% of revenue, below the 2.2% median of 869 banks with $1B to $10B in assets (19th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
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.
2 of 15 compared published fees sit above the South Carolina median; 7 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with South Carolina medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $4.48, the middle of its prices
Overdraft (OD)
NSF / Returned Item
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.
Service-charge income rose 13% from Q3 2025 to Q2 2026, to $234K. Its share of revenue, 1.0%, is below the 2.2% median for banks with $1B to $10B in assets.
$234K
Coastal States BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 869 banks with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $2 to $6.95; we compare the midpoint.
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.
| 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.
Peer pricing snapshot
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
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.
Call reports for Coastal States Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| 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% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, Coastal States Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Coastal States Bank by share.
Amounts from Coastal States Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per hour
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Maintenance | $6.95Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Maintenance | $2Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Closing Account (If open less than 90 days) | $15Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account (Per Month) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | 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) | $31Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Returned Items or Overdraft (Per Item) | $31Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| ATM/Debit Card Replacement | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer (Domestic Out) | $5Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer Service: Outgoing | $15Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer Service: Incoming | No chargeBelow the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfer (Int'l Out) | $35Below the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Wire Transfer Service: International | $45Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier Checks: Customer | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payments | $31Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Photocopies of checks (per check) | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Deposited Returned Item (Processing) | $5Below the U.S. middle 50% ($8.88 to $25 nationally) | Not stated | None |
| Deposited Returned Item (Special Handling) | $10Inside the U.S. middle 50% ($8.88 to $25 nationally) | Not stated | None |
| Night Depository Key Replacement | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Account Services | |||
| Garnishments/Levies | $50Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Duplicate Statements | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
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.
Where Coastal States Bank operates, and what regulators and customers have on file.
Branch footprint
11 offices in 2 states, $2.1B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 5 | $1.2B | |
| 5 | $781.4M | |
| 1 | $85.9M |
Hilton Head Island-Bluffton-Port Royal, SC
17% of bank deposits, #1 of 21, up 5.4 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| SouthState Bank, National Association | 16.2% |
| Wells Fargo Bank, National Association | 14.2% |
| Bank of America, National Association | 12% |
| Truist Bank | 8.8% |
| TD Bank, National Association | 8.5% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Hilton Head Island-Bluffton-Port Royal, SC, Coastal States Bank holds 17% of bank deposits, #1 of 21, with 5 offices.
The fee comparison uses its home metro, Atlanta-Sandy Springs-Roswell, GA.
62 offices of 24 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
8 of 21 institutions shown. $7.0B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
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.
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
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 1, 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
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
We check once a day and send one email covering every change.