Bank · FDIC insured
Coastal States Bank
A $2.4B bank headquartered in Hilton Head Island, SC, with 12 branches in 2 states. Best rates: CDs 4.50% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. Savings: carrot has not captured enough rates to score this yet. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs904.50%for 3–8 monthsCD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Coastal States Bank
In 2004, Coastal States Bank opened in Hilton Head Island, South Carolina, founded to serve the community through a relationship-based bank where friends and neighbors could serve each other.
Originally established as southern Beaufort County's only locally-owned bank, it serves communities across South Carolina, Georgia, and beyond.
- Headquarters
- 5 Bow Cir, Hilton Head Island, SC 29928
- FDIC certificate
- 57756 ↗
Branches
12 branches in 2 states
Loading map…
Georgia
6 branches
Atlanta area · 5
- Alpharetta Branch3000 Summit Pl, Alpharetta, GA 30009Directions
- Akers Mill Branch2841 Akers Mill Rd Se, Atlanta, GA 30339Directions
- Sandy Springs Branch6160 Roswell Rd, Atlanta, GA 30328Directions
- Cumming Branch5835 Bethelview Rd, Cumming, GA 30040Directions
- Foothills Community Branch70 Carlisle Rd, Dawsonville, GA 30534Directions
Savannah area · 1
- Savannah Branch339 Martin Luther King Jr Blvd, Savannah, GA 31401Directions
South Carolina
6 branches
Hilton Head Island area · 5
- Coastal States BankMain office5 Bow Cir, Hilton Head Island, SC 29928Directions
- Beaufort Branch1029 Boundary St, Beaufort, SC 29902Directions
- Bluffton Village Branch7 Thurmond Way, Bluffton, SC 29910Directions
- Sun City Branch32 William Pope Dr, Bluffton, SC 29909Directions
- Main Street Branch98 N Main St, Hilton Head Island, SC 29926Directions
Charleston area · 1
- Mount Pleasant Branch268 W Coleman Blvd, Mount Pleasant, SC 29464Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.12% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.95% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.17% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $94 | $88 | — |
- CapitalLeverage ratio11.12%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.95%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.17%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$94Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Coastal States Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.