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

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...

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AskCyborg analysts argue the bull and bear cases for Coastal Carolina Bancshares, Inc. across 11 stress-tested dimensions. Listen on your commute -- faster than reading the 30-page report.

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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. 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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