CoastalSouth Bancshares is a community bank holding company that operates through its banking subsidiary, Coastal States Bank (CSB). CSB serves small-to-medium-sized businesses and individuals across 11 retail branches in the Lowcountry of South Carolina and in Savannah and metro Atlanta, Georgia. CSB's core business is traditional commercial banking — taking deposits and making loans — with an emphasis on relationship-based banking and direct, personal service to local business owners. Beyond its branch network, CSB operates four specialty lending businesses that extend its reach nationally: senior housing lending, marine lending (consumer loans to finance boat purchases), government guaranteed lending (including SBA loans), and mortgage banker finance, a warehouse lending business where CSB purchases mortgages from third-party originators and sells them to investors. CSB also originates residential mortgages through its subsidiary Coastal States Mortgage, selling most into the secondary market. CSB earns money on the spread between its deposit costs and loan yields, and it prioritizes growing low-cost core deposits to widen that spread. Noninterest-bearing demand deposits represent about 26.5% of total deposits, providing essentially free funding. Fee income from mortgage banking, treasury management, and government guaranteed loan sales supplements net interest income. CSB has grown primarily through de novo branch openings rather than acquisitions, and it completed its IPO on the NYSE in July 2025 under the ticker "COSO."