CoastalSouth Bancshares (NYSE: COSO) shares Q4 2025 results and investor deck

Rhea-AI Filing Summary

CoastalSouth Bancshares, Inc. furnished an update on its recent performance by issuing a press release with its results of operations and financial condition for the fourth quarter ended December 31, 2025. The company also prepared and shared an investor presentation to accompany these results, making it available as an exhibit and on its investor relations website. Both the earnings release and the investor presentation are furnished under the Exchange Act and are specifically designated as not being filed, which means they are not subject to certain liability provisions unless later incorporated by reference into other documents.

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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): January 20, 2026

COASTALSOUTH BANCSHARES, INC.

(Exact name of Registrant as Specified in Its Charter)

Georgia			001-42730	57-1184730
(State or Other Jurisdiction of Incorporation)			(Commission File Number)	(IRS Employer Identification No.)
400 Galleria Parkway Suite 1900
Atlanta, Georgia				30339
(Address of Principal Executive Offices)				(Zip Code)

Registrant’s Telephone Number, Including Area Code: (678) 396-4605

(Former Name or Former Address, if Changed Since Last Report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class		Trading Symbol(s)		Name of each exchange on which registered
Common Stock, par value $1.00 per share		COSO		New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company ☒

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02 Results of Operations and Financial Condition.

On January 20, 2026, CoastalSouth Bancshares, Inc. (the “Company”) issued a press release announcing its results of operations and financial condition for the fourth quarter ended December 31, 2025. A copy of the press release covering such announcement is attached hereto as Exhibit 99.1 and incorporated by reference herein.

In accordance with General Instruction B.2 of Form 8-K, the information furnished in Item 2.02 of this Current Report on Form 8-K, including Exhibit 99.1 hereto, shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference into any filing or other document pursuant to the Securities Act of 1933, as amended (the "Securities Act"), or the Exchange Act, except as shall be expressly set forth by specific reference in such filing or document.

Item 7.01 Regulation FD Disclosure.

On January 20, 2026, the Company made available a copy of investor presentation material (the “Investor Presentation”) prepared for use with the press release. The Investor Presentation is attached to this Report as Exhibit 99.2. The Investor Presentation is also available on the “Investor Relations” page of the Company’s website (https://www.coastalstatesbank.com).

In accordance with General Instruction B.2 of Form 8-K, the information furnished in Item 7.01 of this Current Report on Form 8-K, including Exhibit 99.2 hereto, shall not be deemed to be “filed” for purposes of Section 18 of the Exchange Act, or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference into any filing or other document pursuant to the Securities Act, or the Exchange Act, except as shall be expressly set forth by specific reference in such filing or document.

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits

Exhibit Number		Description
99.1		CoastalSouth Bancshares, Inc. Earnings Release dated January 20, 2026*
99.2		CoastalSouth Bancshares, Inc. Investor Presentation re: 4th Quarter 2025 Results*
104		Cover Page Interactive Data File (embedded within the Inline XBRL document)

* Filed herewith.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

		CoastalSouth Bancshares, Inc.
Date: January 20, 2026		By:	/s/ Anthony P. Valduga
			Anthony P. Valduga
			Chief Financial Officer & Chief Operating Officer

FAQ

What did CoastalSouth Bancshares, Inc. (COSO) disclose in this 8-K?

CoastalSouth Bancshares, Inc. reported that it issued a press release announcing its results of operations and financial condition for the fourth quarter ended December 31, 2025, and furnished this release as Exhibit 99.1. It also furnished an investor presentation related to these results as Exhibit 99.2.

Which period’s results are covered by CoastalSouth Bancshares, Inc. (COSO) in this update?

The update covers the company’s results of operations and financial condition for the fourth quarter ended December 31, 2025.

Where can investors find the CoastalSouth Bancshares, Inc. (COSO) investor presentation?

The investor presentation is attached as Exhibit 99.2 and is also available on the company’s website on the Investor Relations page at https://www.coastalstatesbank.com.

Are the earnings release and investor presentation considered filed documents for CoastalSouth Bancshares, Inc. (COSO)?

The company states that the information in Items 2.02 and 7.01, including Exhibits 99.1 and 99.2, is furnished under the Exchange Act and is not deemed filed for purposes of Section 18, nor incorporated by reference into Securities Act or Exchange Act filings unless expressly referenced.

Which exhibits are included with this CoastalSouth Bancshares, Inc. (COSO) 8-K?

The exhibits include 99.1, the earnings release dated January 20, 2026; 99.2, the investor presentation regarding fourth quarter 2025 results; and 104, the cover page interactive data file embedded within the Inline XBRL document.

Who signed this CoastalSouth Bancshares, Inc. (COSO) 8-K on behalf of the company?

The report was signed on behalf of CoastalSouth Bancshares, Inc. by Anthony P. Valduga, who serves as Chief Financial Officer and Chief Operating Officer.