SMB Banking Focus The Coastal Bank emphasizes small business banking, presenting sales opportunities for tailored SMB lending, cash management, payroll services and merchant solutions to the local SME base.

Branch Footprint Growth With multiple branches across Savannah, Rincon, Hinesville and an operations center in Pooler, there is room to deepen penetration in existing markets and systematically target nearby business corridors for new client acquisition and cross-sell.

Mortgage & Lending Existing mortgage solutions and lending capabilities create opportunities to expand homebuyer financing, refinance activity, and align with real estate partners to capture more mortgage and consumer lending revenue.

Digital Transformation Investing in digital banking and payments capabilities—such as SMB treasury management, ACH, remote deposit, and streamlined online applications—can attract and retain business clients and improve cross-sell success.

Community Brand Advantage As a locally owned bank with deep community ties and a long history, The Coastal Bank can leverage its trusted brand and referral networks to win SMB clients, develop sponsored programs, and differentiate from larger national banks.