UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): ~~September~~October 1520, 2025

COASTALSOUTH BANCSHARES, INC.

(Exact name of Registrant as Specified in Its Charter)


Georgia	001-42730	57-1184730
(State or Other Jurisdiction of Incorporation)	(Commission File Number)	(IRS Employer Identification No.)

400 Galleria Parkway Suite 1900
Atlanta, Georgia		30339
(Address of Principal Executive Offices)		(Zip Code)

      Registrant’s Telephone Number, Including Area Code: (678) 396-4605

     

(Former Name or Former Address, if Changed Since Last Report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:


Title of each class	Trading Symbol(s)	Name of each exchange on which registered
Common Stock, par value $1.00 per share	COSO	New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company ☒

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 82.0102 OtherResults Eventsof Operations and Financial Condition.

On ~~September~~October 1520, 2025, CoastalSouth Bancshares, Inc. ~~redeemed all of its outstanding 5.95% Fixed to Floating Rate Subordinated Notes due 2030~~ (the “~~Subordinated Notes~~Company”). ~~The~~issued ~~Subordinated~~a ~~Notes~~press ~~were~~release ~~originally~~announcing ~~issued~~its inresults ~~the principal amount~~ of ~~$15,000,000.~~operations ~~The~~and ~~Subordinated~~financial ~~Notes~~condition ~~were~~for ~~redeemed at a price equal to 100% of~~ the ~~principal~~third ~~amount~~quarter ~~plus~~ended ~~any~~September ~~accrued~~30, ~~and~~2025. ~~unpaid~~A ~~interest~~copy upof ~~to but excluding~~ the ~~redemption~~press ~~date~~release ofcovering ~~September~~such ~~15,~~announcement ~~2025,~~is inattached ~~accordance~~hereto ~~with~~as ~~the~~Exhibit ~~terms~~99.1 ofand ~~the~~incorporated ~~Subordinated~~by ~~Notes,~~reference ~~dated September 9, 2020~~herein.

~~SIGNATURES~~In accordance with General Instruction B.2 of Form 8-K, the information furnished in Item 2.02 of this Current Report on Form 8-K, including Exhibit 99.1 hereto, shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference into any filing or other document pursuant to the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such filing or document.

PursuantItem to9.01 theFinancial requirementsStatements ofand the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorizedExhibits.

	CoastalSouth Bancshares, Inc.
Date: September 16, 2025	By:	/s/ Anthony P. Valduga
		Anthony P. Valduga
		Chief Financial Officer & Chief Operating Officer

(d) Exhibits


Exhibit Number		Description
99.1		CoastalSouth Bancshares, Inc. Earnings Release dated October 20, 2025*
99.2		CoastalSouth Bancshares, Inc. Investor Presentation re: 3rd Quarter 2025 Results*
104		Cover Page Interactive Data File (embedded within the Inline XBRL document)

* Filed herewith.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.


	CoastalSouth Bancshares, Inc.

Date: October 20, 2025	By:	/s/ Anthony P. Valduga
		Anthony P. Valduga
		Chief Financial Officer & Chief Operating Officer

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