8-K current report · filed Jul 20, 2026

CoastalSouth Bancshares, Inc. (COSO) 8-K Current Report: July 20, 2026

Item 2.02Item 7.01Item EX-99.1COSO overview

Short answer

CoastalSouth Bancshares, Inc. (COSO) filed an 8-K current report with the SEC on July 20, 2026 reporting Item 2.02 (Results of Operations and Financial Condition), Item 7.01 (Regulation FD Disclosure), Item EX-99.1 (Exhibit EX-99.1). Second-quarter results for period ended June 30, 2026.

CoastalSouth Bancshares, Inc. 8-K event analysis

AI summary of each reported item and its exhibits

Item 2.02 · Results of Operations and Financial Condition

  • Second-quarter results for period ended June 30, 2026
  • Press release issued July 20, 2026
  • Key financial figures and operating trends available in Exhibit 99.1

Item 7.01 · Regulation FD Disclosure

  • Investor presentation released July 20, 2026, providing supplemental information for press-release users
  • Exhibit 99.2 and CoastalSouth’s Investor Relations website serve as access points for presentation details
  • Regulation FD disclosure signals broader public distribution of investor materials to reduce selective disclosure risk

Item EX-99.1 · Exhibit EX-99.1

  • Q2 net income $7.3M, or $0.59 diluted EPS, up from $6.3M and $0.51 in Q1 2026
  • Net interest margin expanded 7 basis points to 3.66%, while net interest income rose 4.7% to $20.7M
  • $181.6M loan production drove $78.1M LHFI growth, or 19.3% annualized, supporting future revenue growth
  • Credit metrics remained strong, with 0.01% net charge-offs and 1.16% ACL-to-LHFI coverage
  • $0.05 quarterly dividend payable August 27, 2026; 48,491 shares repurchased at a $25.48 weighted-average price

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