COSO on NYSE

CoastalSouth Bancshares, Inc.

State commercial bank that raised $21.1 million in 2024 (SEC Form D). Summary from the record

Price unavailable

Last updated Oct 19, 2026.

Overview

Compare with Guaranty Federal Bancshares, MainStreet Bancshares, Inc. or FVCBankcorp, Inc., or pick any stock.

  • TickerCOSO on NYSE1
  • IndustryState Commercial Banks1
  • HeadquartersAtlanta, Georgia1
  • Business address400 Galleria Pkwy, Suite 1900, Atlanta, Ga 303392
  • Filer categoryNon-accelerated filer, Smaller reporting company, Emerging growth company2
  • Legal formCorporation

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Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2025

1254.0%Net margin3
6.4%Revenue growth, 20253
9.6%Return on equity3
$61.3MFree cash flow3

What sells

Revenue by product, business segment and region, as the company reports it to the SEC.

Products and services

Debit Card brought in 26% of the revenue CoastalSouth Bancshares, Inc. broke down this way in fiscal 2025.

  1. Debit Card$991.0K326%up 14% from 2024
  2. Interchange Income and Card Fees$991.0K326%up 14% from 2024
  3. Deposit Account$890.0K323%up 5% from 2024
  4. Service charges on deposit accounts$890.0K323%up 5% from 2024
  5. Other Noninterest Income$104.0K33%down 31% from 2024
Products and services by year
Products and services20242025
Debit Card$868.0K$991.0K
Interchange Income and Card Fees$868.0K$991.0K
Deposit Account$846.0K$890.0K
Service charges on deposit accounts$846.0K$890.0K
Other Noninterest Income$151.0K$104.0K

Where the money goes

Where each dollar of revenue went, fiscal 2025

  • Income tax20¢$6.2M
  • Profit80¢$24.9M

Out of $2.0M in revenue.3

Where each dollar of operating cash went, fiscal 2025

  • Capital spending3¢$1.8M
  • Share buybacks0¢$69.0K
  • Kept or used elsewhere97¢$61.2M

Out of $63.1M of cash from operations.3

Financial statements

Revenue3$2.0M in 2025+6% since 2024
0$500.0K$1.0M$1.5M$2.0M2024: $1.9M$1.9M20242025: $2.0M$2.0M2025+6%
Net income3$24.9M in 2025+14% since 2024
0$10.0M$20.0M$30.0M2024: $21.9M$21.9M20242025: $24.9M$24.9M2025+14%

Every line of the income statement as filed: the last 2 fiscal years, latest first.3

Period ending2025-12-312024-12-31
Loans held for investment$95.5M$93.0M
Loans held for sale$13.3M$10.3M
Taxable$14.7M$15.2M
Non-taxable$428.0K$395.0K
Non-marketable equity securities$448.0K$434.0K
Federal funds sold$2.9M$3.8M
Other earning assets from banks$484.0K$534.0K
Total income$127.7M$123.6M
Interest-bearing deposits$52.3M$53.4M
Other borrowings$1.5M$4.9M
Total expenses$53.8M$58.3M
Net interest income$73.9M$65.3M
Provision for credit losses$3.2M$553.0K
Net interest income after provision for credit losses$70.7M$64.8M
Bank-owned life insurance$1.8M$1.7M
Income from mortgage originations$1.2M$1.2M
Gain on sale of government guaranteed loans$1.6M$1.8M
Noninterest income$2.0M$1.9M
Losses on sale of available-for-sale securities-$10.0K-$3.5M
Other noninterest income$1.7M$1.6M
Total noninterest income$8.1M$4.5M
Salaries and employee benefits$28.3M$26.2M
Occupancy and equipment$3.3M$3.0M
Other professional fees$2.6M$2.0M
Software and other technology expense$3.0M$2.7M
Data processing$2.6M$2.2M
Regulatory assessment$1.5M$1.3M
Other noninterest expense$6.3M$4.6M
Total noninterest expense$47.6M$42.1M
Income before taxes$31.1M$27.2M
Income tax provision$6.2M$5.3M
Net income$24.9M$21.9M
Basic$2.24$2.15
Diluted$2.16$2.09

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Leadership

Who has led CoastalSouth Bancshares, Inc., and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Stephen R. Stone2025–now

President

  1. Stephen R. Stone2025–now

Chief financial officer

  1. Anthony P. Valduga2025–now

Chief operating officer

  1. Anthony P. Valduga2025–now
Board members and other officers (10)

Named in SEC Form D filings

People the company listed in its private-offering notices.

  • Executive OfficerBrad Scott Turner named Apr 14, 2023 to Feb 7, 202417
  • DirectorJames N. Richardson, Jr. named Apr 14, 2023 to Feb 7, 202417
  • DirectorJoseph V. Topper, Jr. named Apr 14, 2023 to Feb 7, 202417
  • DirectorPatrick M. Frawley named Apr 14, 2023 to Feb 7, 202417
  • DirectorPing Scott Lee, PhD named Apr 14, 2023 to Feb 7, 202417

Former names

  • Coastal South Bancshares IncJul 9, 2004 to Jul 9, 20042

Timeline

  1. Jul 1, 2025New chief executive Stephen R. Stone becomes CEO6

Filings

103 filings to the SEC since October 2021: 1 annual reports, 4 quarterly reports, 11 major events, 52 insider forms, 8 large holders, 2 private raises, 25 other. The latest 20:

  1. Sep 14, 20264 EDGAR
  2. Aug 31, 2026144 EDGAR
  3. Aug 31, 20264 EDGAR
  4. Aug 26, 2026144 EDGAR
  5. Aug 26, 20264 EDGAR
  6. Aug 25, 2026144 EDGAR
  7. Aug 24, 2026144 EDGAR
  8. Aug 18, 20264 EDGAR
  9. Aug 18, 2026SCHEDULE 13G/A EDGAR
  10. Aug 14, 2026SCHEDULE 13G/A EDGAR
  11. Aug 13, 20264 EDGAR
  12. Aug 7, 202610-Q EDGAR
  13. Jul 24, 20268-K EDGAR
  14. Jul 20, 20268-K EDGAR
  15. May 28, 2026SCHEDULE 13G/A EDGAR
  16. May 15, 2026SCHEDULE 13G/A EDGAR
  17. May 8, 202610-Q EDGAR
  18. May 6, 20264 EDGAR
  19. May 6, 2026SCHEDULE 13G/A EDGAR
  20. May 1, 20268-K EDGAR

The 103 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

21 open-market trades by officers, directors and large owners since October 2021: 16 buys and 5 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Aug 31, 2026Bruderer Ernst W.DirectorSale2,000$27.43$54.9KForm 4
Aug 26, 2026Bruderer Ernst W.DirectorSale2,000$27.50$55.0KForm 4
Aug 18, 2026Bruderer Ernst W.DirectorSale1,000$27.89$27.9KForm 4
Aug 12, 2026Bruderer Ernst W.DirectorSale1,000$27.56$27.6KForm 4
Aug 7, 2026MACLEOD JAMES SDirectorBuy238$28.15$6.7KForm 4
Aug 6, 2026MACLEOD JAMES SDirectorBuy96$27.61$2.7KForm 4
May 6, 2026Valduga Anthony P.CFO AND COOSale4,558$25.84$117.8KForm 4
Mar 9, 2026Stone Stephen R.PRESIDENT AND CEOBuy200$24.15$4.8KForm 4
Feb 10, 2026HIGH MICHAEL BDirectorBuy1,500$25.14$37.7KForm 4
Jul 2, 2025MACLEOD JAMES SDirectorBuy10,000$21.50$215.0KForm 4
Jul 2, 2025Hemby Lauren M.CHIEF ACCOUNTING OFFICERBuy4,500$21.50$96.8KForm 4
Jul 2, 2025Stone Stephen R.PRESIDENT AND CEOBuy2,200$21.50$47.3KForm 4
Jul 2, 2025Valduga Anthony P.CFO AND COOBuy1,500$21.50$32.2KForm 4
Jul 2, 2025Bruderer Ernst W.DirectorBuy2,000$21.50$43.0KForm 4
Jul 2, 2025Gutin BorisDirectorBuy11,000$21.50$236.5KForm 4
Jul 2, 2025FRAWLEY PATRICK MDirectorBuy4,650$21.50$100.0KForm 4
Jul 2, 2025Topper Joseph V. Jr.DirectorBuy100,000$21.50$2.1MForm 4
Jul 2, 2025Turner Cameron BradleyCHIEF CREDIT OFFICERBuy1,000$21.50$21.5KForm 4
Jul 2, 2025Richardson James N. Jr.DirectorBuy20,000$21.50$430.0KForm 4
Jul 2, 2025Askins L. ScottDirectorBuy2,325$21.50$50.0KForm 4

All 21 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Money raised

Private offerings the company reported to the SEC on Form D.

  1. Jan 26, 2024Raised $12.3 million in a private offering of equity Form D: 33 investors so far Form D
  2. Mar 31, 2023Raised $8.9 million in a private offering of equity Form D: 22 investors so far Form D

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
Patriot Financial Partners GP II, L.P.691,367$18.6M4.7%−467,844
BlackRock, Inc.584,198$15.7M0.0%+92,165
Two Sigma Investments, LP408,489$11.0M0.0%+308,434
Vanguard Capital Management LLC395,093$10.6M0.0%−11,334
North Reef Capital Management LP370,982$10.0M0.4%+50,000
Berkeley Capital Partners, LLC356,390$9.6M2.0%−4,172
Alliancebernstein L.P.347,546$8.5M0.0%−50,027
Mendon Capital Advisors Corp267,232$7.2M2.5%−62,511
Curi Capital, LLC250,001$6.7M0.1%−52,950
Fourthstone LLC225,211$6.1M4.3%−875,293
Raffles Associates LP224,276$6.0M2.6%+102,995
Geode Capital Management, LLC196,340$5.3M0.0%+5,090
EJF Capital LP192,676$5.2M3.5%No change
State Street Corp188,361$5.1M0.0%+61,921
Qube Research & Technologies Ltd127,213$3.4M0.0%New
Morgan Stanley108,931$2.9M0.0%+80,983
KLCM Advisors, Inc.107,617$2.9M0.2%No change
Goldman Sachs Group Inc91,528$2.5M0.0%−166,611
Bleakley Financial Group, LLC90,307$2.4M0.0%+2,171
Citadel Advisors LLC88,947$2.4M0.0%New
Banc Funds Co LLC85,715$2.3M0.4%No change
First Manhattan Co. Llc.77,638$2.1M0.0%No change
Elizabeth Park Capital Advisors, Ltd.75,740$2.0M1.4%No change
Aqr Capital Management LLC70,177$1.9M0.0%+25,210
Northern Trust Corp65,971$1.8M0.0%+1,532

13F reports cover disclosed long positions in U.S. stocks only.

Sources

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