CoastalStates Bank

CoastalStates Bank

Overview / Commentary
5 Bow Circle
Hilton Head Island, SC 29928

CoastalStates Bank is headquartered in HILTON HEAD ISLA and is the 3rd largest bank in the state of South Carolina. It is also the 572nd largest bank in the nation. It was established in 2004 and as of March of 2024, it had grown to 177 employees at 10 locations. CoastalStates Bank has an A+ health rating.

Reviews (4)

Great Local Bank

Posted by: |

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: |

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

Customer For 9 Years Treated Like A Criminal For Bank Mistake

Posted by: |

After banking with Coastal States with no problems for 9 years, a recent experience with their customer service has caused me to open an account elsewhere. I currently have no access to my money because of a mistake they made.

A clerical error was made where funds were incorrectly put into my account 13 months ago. Unfortunately, I did not catch this, which I understand is my fault and I take full responsibility.

However, the two women I spoke with practically accused me of criminal activity for a mistake THEY made OVER A YEAR AGO. This is completely unacceptable! When I started crying on the phone, she told me I was being emotional. They made no effort to apologize, accept responsibility, or offer sympathy for the inconvenience or anxiety they caused me.

I understand they were doing their jobs, but to make the assumption that I intentionally did this knowingly and willingly is wrong and inappropriate.

Massive Fees

Horrible, criminal, raping the American people with massive fees. 124% loan to interest.


Health Grade Components

FDIC Certificate #57756
Year Established2004
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.56%
Return on Equity - YTD5.87%
Annual Interest Income$29.4MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$2.05B$2.02B
LoansQ1 2024vs Q1 2023$1.5B$1.37B
DepositsQ1 2024vs Q1 2023$1.75B$1.74B
Equity CapitalQ1 2024vs Q1 2023$195.4MM$159.9MM
Loan Loss AllowanceQ1 2024vs Q1 2023$15.8MM$14MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$179K$9.4MM
Real Estate OwnedQ1 2024vs Q1 2023$0$0
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CoastalStates Bank CD Rates

5.37%$1k-6 Month CD Special
5.03%$1k-9 Month CD Special

Cities: Alpharetta, Atlanta, Bluffton, Cumming, Dawsonville, Hilton Head Island, Savannah

Alpharetta Branches
Alpharetta Branch3000 Summit PlAlpharetta, GA 30009

Atlanta Branches
Sandy Springs Branch6160 Roswell RoadAtlanta, GA 30328
Mt Paran Branch2060 Mount Paran Road, Northwest, Suite 100Atlanta, GA 30327

Bluffton Branches
Sun City Branch30 William Pope DriveBluffton, SC 29909
Bluffton Village Branch7 Thurmond WayBluffton, SC 29910

Cumming Branches
Cumming Branch5835 Bethelview RoadCumming, GA 30040

Dawsonville Branches
Foothills Community Branch70 Carlisle RoadDawsonville, GA 30534

Hilton Head Island Branches
Coastalstates Bank5 Bow CirHilton Head Island, SC 29928
Main Street Branch98 Main StreetHilton Head Island, SC 29926

Savannah Branches
Savannah Branch339 Martin Luther King Jr. BlvdSavannah, GA 31401

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