BlastPoint's Banking Scorecard
Coastal Carolina National Bank
Community
Specialty: Commercial
SC
FDIC cert 58864
Myrtle Beach, SC
1484
banks in Community tier nationally
22 in SC
View Community leaderboard (SC) →
Coastal Carolina National Bank shows strong momentum with 2 strengths and 17.3% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.63% below tier
- + Nonperforming Asset Ratio 0.50% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
+17.3% YoY
+5.7% QoQ
|
-$113.8M |
$1.4B
+2.0% YoY
|
$1.4B
+4.5% YoY
|
$5.9B
+6.5% YoY
|
62% |
| Total Loans ? |
$935.0M
+12.8% YoY
+3.6% QoQ
|
-$40.5M |
$975.5M
+2.4% YoY
|
$973.5M
+7.4% YoY
|
$3.1B
+8.5% YoY
|
65% |
| Total Deposits ? |
$1.2B
+16.7% YoY
+5.1% QoQ
|
-$8.5M |
$1.2B
+1.7% YoY
|
$1.2B
+4.1% YoY
|
$4.7B
+6.3% YoY
|
66% |
| Return on Assets ? |
1.03%
+12.7% YoY
+2.0% QoQ
|
-0.14% |
1.16%
+17.2% YoY
|
0.95%
+14.5% YoY
|
1.12%
+15.6% YoY
|
41% |
| Net Interest Margin ? |
3.55%
+8.4% YoY
+0.1% QoQ
|
-0.12% |
3.66%
+9.1% YoY
|
3.61%
+7.8% YoY
|
3.75%
+7.1% YoY
|
44% |
| Efficiency Ratio ? |
59.51%
-6.8% YoY
-1.6% QoQ
|
-3.12% |
62.63%
-5.3% YoY
|
68.53%
-3.0% YoY
|
65.09%
-5.1% YoY
|
59% |
| Delinquency Rate ? | 0.00% | -0.63% |
0.63%
+18.3% YoY
|
0.35%
-2.9% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
80.88%
-3.3% YoY
-1.4% QoQ
|
-2.19% |
83.06%
+0.3% YoY
|
73.98%
+1.0% YoY
|
78.04%
+0.7% YoY
|
40% |
| Non-Interest-Bearing Deposit Share ? |
18.95%
+7.9% YoY
+19.3% QoQ
|
-2.10% |
21.05%
-0.9% YoY
|
20.79%
-0.7% YoY
|
21.79%
-1.3% YoY
|
44% |
| Nonperforming Asset Ratio ? | 0.00% | -0.50% |
0.50%
+20.3% YoY
|
0.23%
-5.4% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
12.77%
+7.9% YoY
+7.8% QoQ
|
+2.53% |
10.24%
-0.6% YoY
|
12.85%
+2.9% YoY
|
9.75%
-1.9% YoY
|
56% |
| Non-Interest Income / Assets ? |
0.20%
-17.2% YoY
+27.3% QoQ
|
-0.54% |
0.74%
-1.3% YoY
|
0.49%
-7.0% YoY
|
0.65%
+0.6% YoY
|
Bottom 11% in tier |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
66
66th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
65
65th pctile
Total Loans
Current: $935.0M · Tier avg: $975.5M
62
62th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
59
59th pctile
Efficiency Ratio
Current: 59.51% · Tier avg: 62.63%
56
56th pctile
Tier 1 Capital Ratio
Current: 12.77% · Tier avg: 10.24%
44
44th pctile
Non-Interest-Bearing Deposit Share
Current: 18.95% · Tier avg: 21.05%
44
44th pctile
Net Interest Margin
Current: 3.55% · Tier avg: 3.66%
41
41th pctile
Return on Assets
Current: 1.03% · Tier avg: 1.16%
40
40th pctile
Loan-to-Deposit Ratio
Current: 80.88% · Tier avg: 83.06%
11
11th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.74%
Top Weaknesses
11
11th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.74%
40
40th pctile
Loan-to-Deposit Ratio
Current: 80.88% · Tier avg: 83.06%
41
41th pctile
Return on Assets
Current: 1.03% · Tier avg: 1.16%
44
44th pctile
Net Interest Margin
Current: 3.55% · Tier avg: 3.66%
44
44th pctile
Non-Interest-Bearing Deposit Share
Current: 18.95% · Tier avg: 21.05%
56
56th pctile
Tier 1 Capital Ratio
Current: 12.77% · Tier avg: 10.24%
59
59th pctile
Efficiency Ratio
Current: 59.51% · Tier avg: 62.63%
62
62th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
65
65th pctile
Total Loans
Current: $935.0M · Tier avg: $975.5M
66
66th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%