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Coastal Carolina Bancshares, Inc. reports recurring bank holding company developments for CCNB, the OTCQX-traded parent of Coastal Carolina National Bank. Company news centers on quarterly and annual earnings, loan and deposit growth, net interest margin, book value and tangible book value, regulatory capital ratios, and credit-quality measures such as non-performing assets, past-due loans, charge-offs, and other real estate owned.
Updates also cover capital actions used to support the bank's balance sheet and growth strategy, including common equity issuances and subordinated debt activity. The recurring disclosures frame CCNB's results through community-bank operating drivers: earning-asset growth, funding costs, retained earnings, capital adequacy, and asset quality.
Coastal Carolina Bancshares (OTCQX:CCNB) reported Q1 2026 net income of $3.3 million or $0.43 diluted EPS, up 6% vs. Q4 2025 and 38% vs. Q1 2025. Bank net interest margin rose to 3.66%, loans grew by $23 million (2.5% q/q), deposits were $1.14 billion, and nonperforming assets were 0.02%.
Capital ratios remained strong with total shareholders' equity of $106.1 million and tangible book value per share of $13.72 at March 31, 2026.
Coastal Carolina Bancshares (OTCQX:CCNB) reported unaudited results for the quarter and year ended December 31, 2025. 2025 net income was $10.94 million ($1.71 diluted EPS), up 29% year-over-year; Q4 net income was $3.08 million, up 16% year-over-year. Book value rose to $13.73 per share.
Balance sheet growth included $107M loans (13% YoY), $158M deposits (16% YoY), total assets of $1.279B, and strong credit metrics (non-performing assets 0.00%). Capital actions: $12M subordinated debt and $15M common equity issued in 2025.
Coastal Carolina Bancshares (OTCQX:CCNB) announced a $15.0 million common equity private placement on December 19, 2025. The offering price is $12.50 per share, and proceeds are intended for general corporate purposes, including strengthening regulatory capital and supporting strategic growth initiatives. Raymond James acted as sole placement agent; legal counsel to the company and placement agent were engaged. The shares have not been registered under the Securities Act and may not be sold absent registration or an applicable exemption. The release states it is not an offer to sell or solicitation of an offer to buy in any jurisdiction where unlawful.
Coastal Carolina Bancshares (OTCQX: CCNB) reported record Q3 2025 results with net income $2.96M ($0.47/share), up 18% vs. Q2 2025 and 32% vs. Q3 2024. YTD net income $7.85M ($1.24/share), up 34% YoY.
Key balance-sheet highlights at September 30, 2025: total assets $1.21B, loans $911M, deposits $1.096B, and book value/share $13.51 (tangible $13.02). Capital ratios remain above well-capitalized thresholds: Tier 1 11.85%, Total 12.98%.
Credit metrics: non-performing assets 0.00%, no OREO, allowance for credit losses 1.07% of loans. Net interest margin was 3.46% and net interest income was $9.85M for the quarter.
Coastal Carolina Bancshares (OTCQX:CCNB) reported strong Q2 2025 financial results with net income of $2.5 million ($0.40 per share), up 29% from Q2 2024. The bank demonstrated robust growth with quarterly deposit growth of $78 million (7% increase) and loan growth of $17 million (2% increase).
Key performance metrics showed improvement with Return on Average Equity of 12.63% and expanded Net Interest Margin of 3.59%. The bank maintained excellent credit quality with zero non-performing assets and no past due loans. Book value per share increased to $12.80, up from $12.07 at year-end 2024.
Total assets reached $1.19 billion, with strong capital ratios well above regulatory requirements for "well-capitalized" status.Coastal Carolina Bancshares (OTCQX:CCNB) reported Q1 2025 net income of $2.38 million ($0.38 per share), compared to $2.66 million ($0.42 per share) in Q4 2024 and $1.65 million ($0.26 per share) in Q1 2024.
Key highlights include:
- Net Interest Margin expanded to 3.55% from 3.34% in Q4 2024
- Book value per share increased to $12.57 from $12.07 in Q4 2024
- Quarterly deposit growth of $13 million (1%) to $1.002 billion
- Loan growth of $25 million (3%) to $863 million
- Strong credit quality with 0.0% non-performing assets ratio
The bank maintained strong capital ratios with Leverage at 9.04%, Tier 1 at 11.68%, and Total Risk-Based at 12.76%. Loan growth was primarily in C&I Lending ($10M), non-owner occupied CRE ($5M), and Owner Occupied CRE ($4M).
Coastal Carolina Bancshares (OTCQX:CCNB) reported strong financial results for Q4 and full-year 2024. The company achieved net income of $8.5 million ($1.36 per share) for 2024, up 5% from 2023. Q4 2024 net income was $2.7 million ($0.42 per share), representing a 19% increase over Q3 and 34% over Q4 2023.
Key highlights include annual deposit growth of $160 million (19%) to $989 million and loan growth of $74 million (10%) to $837 million. The bank maintained excellent asset quality with a non-performing assets ratio of 0.0%. Total assets grew 16% to $1.1 billion. The bank's net interest margin improved to 3.35% in Q4 2024, while book value per share increased to $12.07.
Coastal Carolina Bancshares, Inc. (OTCQX:CCNB) reported net income of $2,235,070 or $0.36 per share for Q3 2024, up from $1,956,948 or $0.31 per share in Q2 2024. Key highlights include:
- 14% increase in quarterly net income over the linked quarter
- Loan growth of $23 million (3%) to $816 million
- Asset growth of $32 million (3%) to $1.1 billion
- Deposit growth of $27 million (3%) to $999 million
- Book value per share increased to $11.87 from $10.67 at year-end 2023
- Exceptional credit quality with 0.0% non-performing assets ratio
The bank's net interest margin improved to 3.22%, driven by increased yields on earning assets. Noninterest income rose to $655,000, while noninterest expense increased to $5.7 million. The bank maintains strong capital ratios and continues to focus on deposit acquisition and retention.
Coastal Carolina Bancshares (OTCQX:CCNB) reported Q2 2024 net income of $1.96 million, or $0.31 per share, compared to $1.98 million in Q2 2023. The company achieved a significant milestone by surpassing $1 billion in total assets for the first time. Key highlights include:
- 10% quarterly asset growth to $1.07 billion
- 11% quarterly deposit growth to $971 million
- 1% quarterly loan growth to $793 million
- Improved net interest margin of 3.19%, up from 3.08% in Q1 2024
- Continued strong credit quality with 0.0% non-performing assets ratio
The bank's expansion efforts include opening a new branch in Orangeburg, SC, marking its ninth full-service office.
Summary not available.