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CoastalSouth Bancshares vs First National: COSO and FXNC compared

CoastalSouth Bancshares is the larger company: $24.9M of revenue in its latest quarter (Q3 2026) against $24.0M for First National (Q2 2026). CoastalSouth Bancshares is growing faster (+17% against +7% a year earlier). CoastalSouth Bancshares is more profitable, with an operating margin of 46.6% against 29.7%.

CoastalSouth Bancshares vs First National, latest quarterCoastalSouth Bancshares vs First National, latest quarterCoastalSouth Bancshares (COSO)First National (FXNC)Revenue$24.9M$24.0MRevenue growth, Y/Y+17%+7%Operating margin46.6%29.7%Net margin35.3%23.9%Free cash flow$100M$6.5M

Where the money goes: COSO and FXNC

CoastalSouth Bancshares (COSO) · Q3 2026

CoastalSouth Bancshares, Q3 2026: revenue $24.9M (+17% year over year), operating margin 46.6%, net earnings $8.8M, operating cash flow $100M. The chart follows the revenue to costs, profit and cash.

First National (FXNC) · Q2 2026

First National, Q2 2026: revenue $24.0M (+7% year over year), operating margin 29.7%, net earnings $5.7M, operating cash flow $6.9M. The chart follows the revenue to costs, profit and cash.

CoastalSouth Bancshares (COSO)First National (FXNC)
Latest quarterQ3 2026Q2 2026
Revenue$24.9M$24.0M
Revenue growth, Y/Y+17%+7%
Operating margin46.6%29.7%
Net earnings$8.8M$5.7M
Net margin35.3%23.9%
Operating cash flow$100M$6.9M
Free cash flow$100M$6.5M

Questions

Which is bigger, CoastalSouth Bancshares or First National?

CoastalSouth Bancshares is the larger company: $24.9M of revenue in its latest quarter (Q3 2026) against $24.0M for First National (Q2 2026).

Is CoastalSouth Bancshares or First National growing faster?

CoastalSouth Bancshares is growing faster (+17% against +7% a year earlier).

Which is more profitable, CoastalSouth Bancshares or First National?

CoastalSouth Bancshares is more profitable, with an operating margin of 46.6% against 29.7%.

More: CoastalSouth Bancshares earnings · how CoastalSouth Bancshares makes money · First National earnings · how First National makes money

From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 6, 2026; 10-Q filed Aug 13, 2026). Fiscal quarters can end on different dates. Not investment advice.