Coastal States Bank, Hilton Head Island

• Founded: 2004, on Hilton Head
• Island branches: Bow Circle, Main Street
• Stock: NYSE: COSO

Coastal States Bank Hilton Head Branches

Coastal States Bank has two branches on the island. The headquarters branch is at 5 Bow Circle, near Sea Pines Circle at the south end, and the Main Street branch is at 98 Main Street at the north end, (843) 689-7800. Both lobbies are open Monday to Friday, 9 a.m. to 5 p.m., and Main Street has a drive-thru on the same hours. Both are closed on weekends.

Each branch has an ATM that takes deposits, a night drop, safe deposit boxes and notary service; Bow Circle also has a coin machine, and medallion signature guarantees are by appointment. Across the bridges there are two more branches in Bluffton, at Bluffton Village and near Sun City.

The Island’s Hometown Bank

Its founders opened Coastal States Bank on Hilton Head in 2004 as the only locally owned bank in southern Beaufort County, and it grew to four branches here and in Bluffton. After new investors recapitalized it in 2017, it expanded to Beaufort, Savannah and metro Atlanta, and it now runs 11 branches from its Bow Circle headquarters. Its holding company, CoastalSouth Bancshares, also based on the island, listed on the New York Stock Exchange as COSO in July 2025, with about $2.2 billion in assets.

Beyond everyday checking and savings, the bank lends nationally in a few specialties, including government-guaranteed small-business loans, marine lending and senior housing.

What Customers Say

Reviews of both island branches describe tellers who greet regulars by name and branch managers who set up personal and business accounts quickly. Buyers who used the bank’s mortgage lenders credit them with knowing the island market. For every other bank on the island, including SouthState, Truist and TD, see our guide to banks in Hilton Head.