Coastal Carolina National Bank
Myrtle Beach, South Carolina, Horry County
$1.4B in total assets, the 835th largest of 4,309 US banks and 10th of 44 headquartered in South Carolina.
- FDIC certificate
- 58864
- Established
- 2009
- Owned by
- Coastal Carolina Bancshares
- Primary regulator
- OCC
- Website
- WWW.MYCCNB.COM
At a glance
Compared with 12 banks headquartered in South Carolina with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.4B | 33% | $1.8B | |
| Loans | $988M | 50% | $1.0B | |
| Deposits | $1.2B | 33% | $1.5B | |
| Return on assets | 1.07% | 25% | 1.19% | |
| Net interest margin | 3.60% | 58% | 3.53% | |
| Efficiency ratio | 59.2% | 50% | 59.1% | |
| Equity to assets | 9.06% | 25% | 9.55% | |
| Loans to deposits | 81% | 50% | 84% |
Growth
Total assets grew 13.8% a year over the last 5 years and 21.6% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Oct 2016 | VistaBank Aiken, SC | $100M |
Where they operate
10 branches in 7 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Horry County, SC | $803M | 6.6% | 7 of 21 |
| Richland County, SC | $116M | 0.6% | 12 of 23 |
| Greenville County, SC | $110M | 0.6% | 20 of 36 |
| Aiken County, SC | $104M | 2.8% | 7 of 12 |
| Orangeburg County, SC | $57M | 3.9% | 7 of 9 |
| Brunswick County, NC | $21M | 0.6% | 11 of 12 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 7 branches since 2016 (3 to 10, +233.3%). 4 opened, 3 acquired, 0 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 3 | |||
| 2016 | Acquired VistaBank | 3 | 0 | +3 | 6 |
| 2018 | Opened Greenville | 1 | 0 | +1 | 7 |
| 2023 | Opened City Of Spartanburg | 1 | 0 | +1 | 8 |
| 2024 | Opened Ocean Isle Beach and Orangeburg | 2 | 0 | +2 | 10 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 38% | 39% | |
| 1-4 family residential | 35% | 33% | |
| Business (C&I) | 10% | 8% | |
| Construction and land | 8% | 11% | |
| Consumer | 4% | 6% | |
| Multifamily | 4% | 3% | |
| Farmland | 1% | 1% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 64% | 54% | |
| Time deposits | 18% | 25% | |
| Noninterest-bearing | 17% | 21% |
Brokered deposits are 17.7% of deposits (peers 5.3%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.00% | 0.14% |
| Net charge-offs, annualized | 0.00% | 0.02% |
| Reserves to loans | 1.12% | 1.14% |
| Leverage ratio | 9.38% | 9.74% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in South Carolina
Largest competitors in Horry County, SC
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/coastal-carolina