Coastalsouth Bancshares, Inc. (COSO) — SEC Filings
Coastalsouth Bancshares, Inc. (COSO) — 8 SEC filings. Latest: 8-K (Nov 19, 2025). Includes 4 8-K, 2 10-Q, 1 S-1/A.
View Coastalsouth Bancshares, Inc. on SEC EDGAR
Overview
Coastalsouth Bancshares, Inc. (COSO) is a publicly traded company tracked on ReadTheFiling. The most recent enriched filing is a 10-Q filed on Nov 7, 2025: CoastalSouth Bancshares, Inc. (COSO) reported a net income of $6.741 million for the three months ended September 30, 2025, a decrease of 14.49% from $7.884 million in the same period of 2024. For the nine months ended September 30, 2025, net income increased by 9.60% to $17.756 million, up from $16
Sentiment Summary
Across 8 filings, the sentiment breakdown is: 6 neutral, 2 mixed. The dominant filing sentiment for Coastalsouth Bancshares, Inc. is neutral.
Filing Type Overview
Coastalsouth Bancshares, Inc. (COSO) has filed 4 8-K, 2 10-Q, 1 S-1/A, 1 S-1 with the SEC between Jun 2025 to Nov 2025.
Recent SEC Filings (8)
| Date | Form | Description | Risk |
|---|---|---|---|
| Nov 19, 2025 | 8-K | 8-K Filing | |
| Nov 7, 2025 | 10-Q | CoastalSouth's Q3 Net Income Dips, Assets & Deposits Climb | medium |
| Oct 21, 2025 | 8-K | CoastalSouth Bancshares Files 8-K on Financials | low |
| Sep 16, 2025 | 8-K | CoastalSouth Bancshares Files 8-K for Other Events | medium |
| Aug 11, 2025 | 10-Q | CoastalSouth Navigates Rate Headwinds, Net Income Dips to $12.5M | medium |
| Jul 28, 2025 | 8-K | CoastalSouth Bancshares Files 8-K on Financials | low |
| Jun 24, 2025 | S-1/A | CoastalSouth Bancshares Amends S-1, Nears Public Offering | medium |
| Jun 6, 2025 | S-1 | S-1 Filing |
Risk Profile
Risk Assessment: Of COSO's 6 recent filings, 0 were flagged as high-risk, 4 as medium-risk, and 2 as low-risk. The overall risk profile suggests moderate risk with a balanced mix of positive and cautionary disclosures.
Financial Highlights
| Metric | Value |
|---|---|
| Revenue | $19.190M |
| Net Income | $6.741M |
| EPS | $0.54 |
| Debt-to-Equity | N/A |
| Cash Position | $26.279M |
| Operating Margin | N/A |
| Total Assets | $2.255B |
| Total Debt | N/A |
Key Executives
- Stephen R. Stone
- Mark C. Kanaly
- William W. Hooper
- David W. Ghegan
- Alexander T. Yarbrough
- Cody M. Mathis
Industry Context
CoastalSouth Bancshares operates within the community banking sector, characterized by a focus on local markets and relationship-based lending. The industry is highly competitive, facing pressure from larger national banks, credit unions, and increasingly, fintech companies. Trends include a continued focus on digital transformation, evolving customer expectations for seamless online and mobile experiences, and navigating a complex regulatory environment.
Top Tags
Regional Banking (3) · Q3 Earnings (1) · Credit Quality (1) · Deposit Growth (1) · IPO Impact (1) · Asset Growth (1) · Net Interest Income (1) · financial-condition (1) · results-of-operations (1) · 8-K (1)
Key Numbers
| Metric | Value | Context |
|---|---|---|
| Net Income (Q3 2025) | $6.741M | Decreased from $7.884M in Q3 2024 |
| Net Income (9M 2025) | $17.756M | Increased from $16.200M in 9M 2024 |
| Total Assets | $2.255B | Increased 7.45% from $2.099B at Dec 31, 2024 |
| Total Deposits | $1.950B | Increased 6.26% from $1.835B at Dec 31, 2024 |
| Total Shareholders' Equity | $250.438M | Increased 28.28% from $195.232M at Dec 31, 2024 |
| Provision for Credit Losses (Q3 2025) | $653K | Increased from a recovery of ($1.023M) in Q3 2024 |
| Diluted EPS (Q3 2025) | $0.54 | Decreased from $0.75 in Q3 2024 |
| Diluted EPS (9M 2025) | $1.58 | Increased from $1.55 in 9M 2024 |
| Proceeds from Initial Public Offering | $31.858M | Contributed to increased shareholders' equity |
| Net Interest Income (Q3 2025) | $19.190M | Increased 13.11% from $16.966M in Q3 2024 |
| Net Income | $12.5M | Decreased from $15.2M in Q1 2025, reflecting increased interest expenses. |
| Total Revenue (YTD) | $110.3M | Increased 4.3% from $105.8M in the prior year, showing overall growth. |
| Net Interest Income | $38.7M | Slightly declined from $40.1M in Q1 2025, indicating margin pressure. |
| Non-Performing Assets Ratio | 0.45% | Remained stable, indicating sound asset quality despite market challenges. |
| Allowance for Credit Losses | $45.2M | Increased from $43.8M at year-end 2024, reflecting prudent risk management. |
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Frequently Asked Questions
What are the latest SEC filings for Coastalsouth Bancshares, Inc. (COSO)?
Coastalsouth Bancshares, Inc. has 8 recent SEC filings from Jun 2025 to Nov 2025, including 4 8-K, 2 10-Q, 1 S-1/A. Each filing includes an AI-generated plain-English summary.
What is the overall sentiment of COSO filings?
Across 8 filings, the sentiment breakdown is: 6 neutral, 2 mixed. The dominant sentiment is neutral.
Where can I find Coastalsouth Bancshares, Inc. SEC filings explained simply?
ReadTheFiling provides AI-powered plain-English summaries of all Coastalsouth Bancshares, Inc. (COSO) SEC filings, including 10-K annual reports, 10-Q quarterly reports, 8-K current reports, and insider trades.
What are the key financial highlights for Coastalsouth Bancshares, Inc.?
Key financial highlights from Coastalsouth Bancshares, Inc.'s most recent 10-Q include metrics such as revenue, net income, EPS, and debt ratios. Visit the filing detail page for the full breakdown.
What is the investment thesis for COSO?
The investment thesis for COSO includes bull, base, and bear case scenarios derived from AI analysis of recent SEC filings.
Who are the key executives at Coastalsouth Bancshares, Inc.?
Key executives identified across Coastalsouth Bancshares, Inc.'s filings include Stephen R. Stone, Mark C. Kanaly, William W. Hooper, David W. Ghegan, Alexander T. Yarbrough and 1 others.
What are the main risk factors for Coastalsouth Bancshares, Inc. stock?
Of COSO's 6 assessed filings, 0 were flagged high-risk, 4 medium-risk, and 2 low-risk.
What are recent predictions and forward guidance from Coastalsouth Bancshares, Inc.?
Forward guidance and predictions for Coastalsouth Bancshares, Inc. are extracted from SEC filings as they are enriched.