Southcoast Financial Corporation (SOCB) serves as the holding company for Southcoast Community Bank, a South Carolina state-chartered commercial bank that provides a full array of deposit and lending products including business and personal checking accounts, NOW accounts, money market accounts, savings accounts, time deposits, commercial real estate loans, residential construction loans, commercial and industrial loans, farmland loans, consumer loans and mortgages to retail and commercial customers primarily in the South Carolina Lowcountry region; the Bank also offers wealth management services through its subsidiary Southcoast Investment Corporation encompassing retirement plans, personalized investment management, risk management, insurance, annuities, estate planning, charitable giving, cash management and business valuations. Founded in 1999 and headquartered in Mount Pleasant, South Carolina, the company focuses on community banking operations with an emphasis on relationship-based services enhanced by digital banking platforms, interactive teller machines, text banking alerts and investment advisory support. In recent years, the company maintains steady operations amid a consolidating banking sector with no major acquisitions, mergers, funding rounds or strategic shifts reported in 2024 or 2025, continuing to prioritize core commercial banking amid regional economic conditions.