CoastalSouth Bancshares, Inc. is classed by the SEC under State Commercial Banks (industry code 6022), based in Atlanta, GA. In its latest annual figures on file, for the fiscal year ended 2025-12-31, it reported revenue of $2 million and a profit of $25 million (its filed statements).
Lending businessState Commercial BanksAtlanta, GAfilings since 20045 of 9 filed, 4 estimated
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a lending business: prior from its industry code (SEC 6022, State Commercial Banks); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 5.1 out of ten, 5 of 9 metrics filed and 4 estimated: past 4.9 out of ten, present 4.8 out of ten, future 5.9 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
Surviving crises (past): 7.8 out of ten. No warning events in its filings since 2017. 78th percentile among 165 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Track record (past): 4.9 out of ten. CrossAssetData estimate 4.9/10, confidence 20 of 100 (family median). 50th percentile among 152 sector filers. A CrossAssetData estimate, not a filed reading: family median, confidence 20 of 100; its next annual report on file with the inputs replaces this estimate with the filed reading.
Shareholder treatment (past): 0.8 out of ten. Share count grew 10.0% a year. 0% of cash flow returned. Insiders: 5 sales, 4 purchases. 8th percentile among 157 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Financial health (present): 4.1 out of ten. ROE 10%: 10¢ of profit per shareholder dollar. Leverage 89%: owes 89¢ per asset dollar. 41st percentile among 161 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Industry position (present): 3.6 out of ten. bottom 36% of 155 in its family; net margin 1254%. 36th percentile among 155 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Leadership (present): 8.1 out of ten. CrossAssetData estimate 8.1/10, confidence 35 of 100 (one part). 81st percentile among 160 sector filers. A CrossAssetData estimate, not a filed reading: one part, confidence 35 of 100; a filing that carries the missing parts replaces this estimate with the filed reading.
Room to expand (future): 7.7 out of ten. top 23% of 142 in its family for room to expand. 77th percentile among 142 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Growth drivers (future): 4.9 out of ten. CrossAssetData estimate 4.9/10, confidence 20 of 100 (family median). 50th percentile among 152 sector filers. A CrossAssetData estimate, not a filed reading: family median, confidence 20 of 100; its next annual report on file with the inputs replaces this estimate with the filed reading.
Expectations vs reality (future): 5.1 out of ten. CrossAssetData estimate 5.1/10, confidence 20 of 100 (family median). 50th percentile among 150 sector filers. A CrossAssetData estimate, not a filed reading: family median, confidence 20 of 100; its next annual report on file with the inputs replaces this estimate with the filed reading.
The filing record
Newest annual report: Form 10-K filed 2026-03-12 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-07 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-07-20 (on EDGAR). Newest filing: Form 4, 2026-09-14. Filings on record since 2004. Read from EDGAR 2026-10-12.
Where the revenue comes from
Product and service lines in fiscal 2025: Debit Card 50%, Service Charges On Deposit Accounts 45%, Other Noninterest Income 5%. As tagged in its annual report (Form 10-K, filed 2026-03-12).
Who runs it
Stone, Stephen R. (PRESIDENT AND CEO); Valduga, Anthony P. (CFO AND COO); Hemby, Lauren M. (CHIEF ACCOUNTING OFFICER); Turner, Cameron Bradley (CHIEF CREDIT OFFICER); Macleod, James S (director); Bruderer, Ernst W. (director); Fraser, John Simon (director); Aldridge, John G Jr (director); Askins, L. Scott (director); Frawley, Patrick M (director); and 5 more. 15 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.
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