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5 Bow Circle
Hilton Head Island, SC 29928

CoastalStates Bank is headquartered in Hilton Head Isla and is the 13th largest bank in the state of South Carolina. It is also the 1,343rd largest bank in the nation. It was established in 2004 and as of September of 2017, it had grown to 143 employees at 5 locations. CoastalStates Bank has a B+ health rating.

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Reviews (2)

Great Local Bank

Posted by: HHIlady | Apr 26, 2016

I enjoy banking at our local bank called Coastal States Bank. There are 2 locations on Hilton Head and both have employees that are very welcoming and helpful. I love that they always have cookies and other goodies when you walk inside the branch. I have both personal and business checking accounts. One thing I like about Coastal States is their low or nonexistent fees. The personal checking we have does not have a daily or monthly balance requirement and does not charge a monthly fee. There is also unlimited check writing. Their online banking is very easy to navigate. I recently starting using CB Bill pay online and it is a great service. Currently we are researching moving our mortgage with them and their rates are very comparable to the big corporate banks. I would highly recommend this bank for any of their products!

Mortgage Payments

Posted by: Anonymous | Aug 31, 2012

Our mortgage was sold to this bank and we've been dealing with them for only two months. Suffice it to say, we have already encountered uninformed, unhelpful, rude, terse and nonchalance when dealing with our questions/concerns about our mortgage payments from bank personnel. We have earmarked on each of these 2 payments where we would like our excess money to be sent. Each time it has been misapplied and it has been up to us to call to get it moved to the correct designation. If this is what we have to look forward to for the duration of the time we are under CoastalStates Bank, then we will be extremely unhappy. On top of that, there's no coupon book!!

Unhappy but hopeful customer

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. CoastalStates Bank has a negative return on equity.

Health Grade Components

FDIC Certificate #57756
Year Established2004
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD-1.12%
Return on Equity - YTD-13.08%
Annual Interest Income$13.5MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$535.5MM$426.7MM
LoansQ3 2017vs Q3 2016$293.4MM$323.1MM
DepositsQ3 2017vs Q3 2016$376.3MM$342.6MM
Equity CapitalQ3 2017vs Q3 2016$53.1MM$37.2MM
Loan Loss AllowanceQ3 2017vs Q3 2016$3.5MM$2.6MM
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$4.0MM$5.4MM
Real Estate OwnedQ3 2017vs Q3 2016$6.3MM$8.7MM

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CoastalStates Bank Locations
Sun City Branch30 William Pope DriveBluffton, SC 29909
Coastalstates Bank5 Bow CircleHilton Head Island, SC 29928
Bluffton Village Branch7 Thurmond WayBluffton, SC 29910
Main Street Branch98 Main StreetHilton Head Island, SC 29926