CoastalSouth Bancshares, Inc. is a bank holding company that operates Coastal States Bank, a community-focused financial institution serving retail and commercial customers across South Carolina and Georgia through branches, deposit products, and full-service lending. The company generates revenue primarily through net interest income—the spread between earnings on loans and securities and rates paid on deposits and borrowings—supplemented by noninterest income from mortgage origination, fee-based services, and loan sales. Beyond traditional retail banking, the company operates specialized national lending businesses in senior housing finance, marine vessel lending, government-guaranteed loans (SBA and USDA), and mortgage warehouse lending to independent originators, allowing it to diversify revenue streams and reach customers across multiple geographies and market segments.