In 2025, CoastalSouth Bancshares, Inc. delivered strong financial results driven by a 12.9% increase in gross loans, supporting enhanced net interest income alongside effective use of interest rate derivatives to manage risk. The company’s loan portfolio growth was primarily fueled by commercial and retail lending segments underpinned by rigorous credit approval standards. CoastalSouth maintained capital adequacy ratios well above regulatory minimums, supported diverse liquidity sources, and sustained dividends without share buybacks. Looking ahead, loan demand remains a key growth lever amid interest rate volatility and evolving credit risks tied to economic conditions.