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Coastal Carolina Bancshares, Inc.: Business Overview, Financials & Competitive Analysis

Coastal Carolina Bancshares, Inc. scores 7/10 on the AskCyborg Cyborg Score (Strong). Coastal Carolina Bancshares combines strong regional market positioning with significant merger synergies and demonstrated earnings growth in a scaled $2.3B platform. The company reported 33% net income growth in Q2 2026 over the prior year quarter, demonstrating strong operational execution and profitability improvement. Well-capitalized position and asset growth.

What is Coastal Carolina Bancshares, Inc.'s industry? Coastal Carolina Bancshares, Inc. (myccnb.com) operates in Retail Banking. AskCyborg classifies Coastal Carolina Bancshares, Inc. under Retail Banking in its company registry.

Coastal Carolina Bancshares, Inc. is the parent company of Coastal Carolina National Bank, trading on OTC markets under ticker CCNB. The company operates as a regional South Carolina-based community bank serving coast...

7/ 10Strong

Cyborg Score thesis

Coastal Carolina Bancshares combines strong regional market positioning with significant merger synergies and demonstrated...

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Industry Retail Banking
2 named competitors
11 analyst dimensions
Synthesized from analyst-debate stress-testing across 11 dimensions and hundreds of data points. Methodology →
Cyborg Score recalibrated: October 5, 2026
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Coastal Carolina Bancshares, Inc. OverviewStrategic ProfileCompetitive LandscapeIndustry ContextKey facts
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Coastal Carolina Bancshares, Inc. Overview

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Coastal Carolina Bancshares, Inc. is the parent company of Coastal Carolina National Bank, trading on OTC markets under ticker CCNB. The company operates as a regional South Carolina-based community bank serving coastal markets.

Strategic Profile

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The merger strategically enhances the combined company's footprint of sixteen branches and a loan production office serving attractive markets throughout the coastal Carolinas from Charleston, SC to Wilmington, NC and inland to the Upstate of South Carolina. Quarterly net income increased 33% in Q2 2026 over Q2 2025, and total assets increased 14% compared to June 30, 2025 to $1.351 billion.

Competitive Landscape

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Coastal Carolina Bancshares operates as a regional community bank serving the coastal Carolinas, competing in local banking markets through its branch network and loan production office. As a regional OTC-traded bank with $2.3B in assets, it competes with larger regional and community banks in the Southeast, as well as national players with local presence in its markets. The merger creates a more competitive scaled platform against larger regional competitors.

Industry Context

Coastal Carolina Bancshares, Inc. operates in Retail Banking.

Key facts

Headquarters: Myrtle Beach, South Carolina · Revenue: Estimated $17.2M-$20M based on Q1-Q2 2026 quarterly results

What the analysts stress-tested

The top findings that survived the multi-agent debate for Coastal Carolina Bancshares, Inc..

  • Net income for the first half of 2026 increased 27% compared to the same period in 2025 (35% excluding merger expenses), reflecting improved profitability and operational efficiency despite integration costs.
  • Core systems integration and bank rebranding as Beacon Bank, N.A. is scheduled for early 2027, representing a material near-term execution milestone that will complete operational consolidation.

Named competitors

Pulled from the analyst-debate framework. Click any competitor to see their Cyborg Score.

FirstBankCommunity banking across the Carolinas and Mid-Atlantic→United BankRegional banking across the Mid-Atlantic and Southeast→

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Industry context

Coastal Carolina Bancshares, Inc. operates in Retail Banking. See how the rest of the sector scores on the Cyborg framework.

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Frequently asked questions

What does Coastal Carolina Bancshares, Inc. do?+
Coastal Carolina Bancshares, Inc. is the parent company of Coastal Carolina National Bank, trading on OTC markets under ticker CCNB. The company operates as a regional South Carolina-based community bank serving coast...
What is Coastal Carolina Bancshares, Inc.'s Cyborg Score?+
Coastal Carolina Bancshares, Inc. has a Cyborg Score of 7/10 (Strong). The score synthesizes business model, financials, leadership, competitive position, technology, marketing, and ESG dimensions across hundreds of data points.
Who are Coastal Carolina Bancshares, Inc.'s main competitors?+
Named competitors include FirstBank, United Bank. The full competitive landscape is in the AskCyborg report.
How can I get the full Coastal Carolina Bancshares, Inc. research report?+
Get the report plus analyst-debate audio at askcyborg.com -- no credit card required for preview access. Pro adds saved-company audio playlists and monitoring.
How current is the Coastal Carolina Bancshares, Inc. research?+
The Cyborg Score is recalibrated weekly. Recent developments are tracked continuously and surfaced in every report.

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