Velarion · Company Intelligence
Compensation Brief
Fiscal year 2025 · Filings through 2026-09-14

CoastalSouth Bancshares (COSO)

CEO Stephen Stone was paid $1,390,222 in fiscal year 2025, ↓ down 14.1% from fiscal year 2024 (SEC filing 0001193125-26-105139 ↗): executive and director compensation, incentive-plan design, equity activity, and governance — every figure in this brief is traceable to its exact location in the company’s SEC filing — the document, the section, the page, and the table, linked directly.

$1,390,222 ↓
Stephen Stone total, FY2025
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CEO pay percentile vs peers
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CEO-to-median pay ratio
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Say-on-pay support, latest vote

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Sample answer — “What is the CEO’s total compensation?”
- Stephen Stone (President & Chief Executive Officer), FY2025 total compensation $1,390,222 (base salary $617,333) [exec_comp, SEC accession 0001193125-26-105139, filed 2026-03-13]

Answered within 24 hours, every figure cited to its SEC filing. If our database cannot answer your question, you are refunded automatically.

COSO's next annual pay disclosure, estimated March 13, 2027.est. Filing ↗

01

Summary Compensation Table — fiscal year 2025

Named executive officerSalaryBonusStock awardsOption awardsNon-equity incentivePension / NQDCAll otherTotal
Stephen Stone$617,333$0$357,000$0$381,700$0$34,189$1,390,222
President & Chief Executive Officer
Anthony Valduga380,9360157,5000235,000032,690806,126
Chief Financial Officer & Chief Operating Officer
Lauren Hemby241,397042,0000110,900018,072412,369
Executive Vice President & Chief Accounting Officer

A dash means the company reported no figure in that column; 0 means it reported zero. Figures are as printed in the filing, without adjustment.

Three-year trend — total compensation per named executive

Named executive officerFY2025 totalFY2024 totalFY2023 totalΔ FY2024→2025
Stephen Stone$1,390,222$1,617,741—↓ −227,519
Anthony Valduga806,126900,188—↓ −94,062
Lauren Hemby412,369———

Prior-year totals as disclosed in the corresponding proxy; deltas are computed values with the derivation shown in the register.

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Companies that benchmark against COSO
1 company names COSO as a compensation peer

Each company listed discloses COSO in its own benchmarking peer group, as disclosed in each company's most recent proxy statement within the last two proxy seasons. Two companies are therefore absent by design: one that named COSO in an earlier year and no longer does, and one whose own most recent disclosure is older than the last two seasons.

01b

Executives — the named officers

One page per officer: the same table above, read for one person at a time — his own figure and every fiscal year the register holds.

ExecutiveRoleFY2025 total
Anthony ValdugaCFO$806,126
Lauren HembyExecutive$412,369
Stephen StoneCEO$1,390,222
01c

Board of directors

One page per director: the seat, the committees and the fee table, read for one person at a time.

DirectorRoleFY2025 total
Boris GutinFormer director (through FY2025)$58,830
Ernst W. BrudererIndependent Director$63,070
J. Simon FraserIndependent Director$58,830
James N. Richardson JrIndependent Director$58,830
James S. MacLeodChair of the Board$95,930
John G. Aldridge JrIndependent Director$58,830
Joseph V. Topper JrIndependent Director$63,070
L. Scott AskinsIndependent Director$58,830
Mark A. GriffithIndependent Director$63,070
Michael B. HighIndependent Director$58,830
Patrick M. FrawleyIndependent Director$64,130
02

Equity transactions since the proxy statement was filed

Every insider equity transaction reported on Form 4 after the 2025 proxy statement — acquisitions, dispositions, exercises, and withholdings — and therefore not reflected in any table in that document.

InsiderRoleTransaction dateCodeSharesPriceValueSecuritySource
Lauren HembyCHIEF ACCOUNTING OFFICER2026-04-27D4,000——Derivative, Class A CommonForm 4 ↗
Stephen R. StoneDirector2026-04-27A17,00000CommonForm 4 ↗
Anthony ValdugaCFO AND COO2026-04-27D13,000——Derivative, Class A CommonForm 4 ↗
Cameron Bradley TurnerCHIEF CREDIT OFFICER2026-04-27A4,00000CommonForm 4 ↗
Anthony ValdugaCFO AND COO2026-04-27A13,00000CommonForm 4 ↗
Lauren HembyCHIEF ACCOUNTING OFFICER2026-04-27D1,1812630,222CommonForm 4 ↗
Lauren HembyCHIEF ACCOUNTING OFFICER2026-04-27A4,00000CommonForm 4 ↗
Cameron Bradley TurnerCHIEF CREDIT OFFICER2026-04-27D4,000——Derivative, Class A CommonForm 4 ↗
Cameron Bradley TurnerCHIEF CREDIT OFFICER2026-04-27D1,1692629,915CommonForm 4 ↗
Stephen R. StoneDirector2026-04-27D5,02226128,513CommonForm 4 ↗
Stephen R. StoneDirector2026-04-27D17,000——Derivative, Class A CommonForm 4 ↗
Anthony ValdugaCFO AND COO2026-04-27D3,8412698,291CommonForm 4 ↗
Anthony ValdugaCFO AND COO2026-05-06D2,00000CommonForm 4 ↗
Anthony ValdugaCFO AND COO2026-05-06D4,55826117,779CommonForm 4 ↗
James S. MacLeodDirector2026-08-06A96282,651CommonForm 4 ↗
James S. MacLeodDirector2026-08-07A238286,700CommonForm 4 ↗
Ernst W. BrudererDirector2026-08-12D1,0002827,564CommonForm 4 ↗
Ernst W. BrudererDirector2026-08-18D1,0002827,890CommonForm 4 ↗
Ernst W. BrudererDirector2026-08-26D2,0002855,004CommonForm 4 ↗
Ernst W. BrudererDirector2026-08-31D2,0002754,856CommonForm 4 ↗

Transaction codes per Form 4: A acquisition · S open-market sale · F tax withholding · M option exercise · G gift. Value = shares × price as reported. Dividend-equivalent and fractional-share accrual rows (derivative Class A, under $10,000 and under 2,000 shares) are aggregated per date; every row appears in full below.

03

Grants of plan-based awards — fiscal year 2025

ExecutiveAwardGrant dateThresholdTargetGrantedMaximumGrant-date fair value
Stephen StoneRSU—————$357,000
Anthony ValdugaRSU—————157,500
Lauren HembyRSU—————42,000
03b

Vehicle mix — grant-date fair value by award type

Named executive officerTime-vested (RSU)Performance-vested (PSU)Options / SARs% performance-vested
Stephen Stone$357,000$0$00.0%
Anthony Valduga157,500000.0%
Lauren Hemby42,000000.0%

% performance-vested = PSU grant-date fair value ÷ (RSU + PSU + Options), a computed value with the derivation shown in the register.

04

Outstanding equity awards at fiscal year-end 2025

ExecutiveAwardShares unvestedExercise priceMarket value unvested
Stephen StoneRSU40,000—$930,000
Stephen StoneRSU17,000—395,250
Lauren HembyRSU2,500—58,125
Anthony ValdugaRSU13,000—302,250
Anthony ValdugaRSU17,000—395,250
Anthony ValdugaRSU7,500—174,375
Lauren HembyRSU4,000—93,000
Lauren HembyRSU2,000—46,500
05

Incentive-plan design — the Compensation Discussion & Analysis

The Company aims to maintain a competitive total compensation package by reviewing and modifying its compensation framework, aligning executive pay with performance and shareholder value creation while focusing on risk management and company soundness.

CEO STI target (% of salary)—
CEO LTI target (% of salary)—
Independent consultantFW Cook
Clawback policytrue
Anti-hedgingtrue
Anti-pledgingtrue
06

Say-on-pay — recent advisory votes

Meeting yearMeeting dateForAgainstAbstainSupportOutcome
20262026-04-23—————

Rows are labeled by annual-meeting year, with the meeting date beside each; the vote held in a given year acts on the prior fiscal year's compensation.

Say-on-pay — history, company's computation

Meeting yearMeeting dateApproval — company's computation
20262026-04-23—a

a. Voting standard not stated in the filing.

Approval percentages are the company's own reported computations under its own stated standard, not recomputed by Velarion. Where a company does not state a standard, none is assumed.

07

CEO pay ratio

Ratio (CEO : median employee)—
CEO total compensation—
Median employee compensation—
08

Director compensation — fiscal year 2025

DirectorCash feesStock awardsOption awardsNon-equity incentiveAll otherTotal
James S. MacLeodIndependent · Board Chair$95,930$0$0—$0$95,930
Patrick M. FrawleyIndependent · Audit · Risk64,13000—064,130
Joseph V. Topper JrIndependent · Audit · Compensation (Chair)63,07000—063,070
Mark A. GriffithIndependent · Audit (Chair) · Compensation63,07000—063,070
Ernst W. BrudererIndependent · Risk · Nominating/Governance · Audit63,07000—063,070
John G. Aldridge JrIndependent · Risk (Chair) · Nominating/Governance58,83000—058,830
James N. Richardson JrIndependent · Compensation · Risk58,83000—058,830
L. Scott AskinsIndependent · Compensation · Nominating/Governance (Chair)58,83000—058,830
Michael B. HighIndependent · Audit · Risk58,83000—058,830
J. Simon FraserIndependent · Audit · Nominating/Governance58,83000—058,830
Boris GutinIndependent · Departed during FY58,83000—058,830
Stephen R. StoneEmployee director—————0
09

Board fee structure and ownership guideline

Annual cash retainer$58,830
Annual equity retainer$0
Per board meeting fee—
Committee chair fees (audit / comp / nom-gov)4,240 / 4,240 / 4,240
Stock ownership guideline—
09b

Total cost of the board

ComponentFY2025
Cash retainers and fees$702,250
Equity awards (grant-date value)$0
All other compensation$0
Total cost of the board$702,250

Computed as the sum of the director compensation table rows above; inputs and formula shown in the register.

10b

Chief executive pay against the peer group

Most recent fiscal-year chief executive compensation at each disclosed peer, taken from that company's own proxy statement.

RankCompanyFYChief executiveSalaryStock awardsOption awardsNon-equity incentiveTotal
1CoastalSouth Bancshares2025Stephen Stone$617,333$357,000$0$381,700$1,390,222

Each peer's compensation is from its most recently filed proxy; fiscal years differ by company. Each peer's figures come from its own filings; the subject company is highlighted. Peers whose chief executive compensation is outside our coverage universe are stated as such, never left blank.

10d

Frequently asked questions

Who was the highest-paid executive at CoastalSouth Bancshares in fiscal 2025?
As disclosed, Stephen Stone (President & Chief Executive Officer) was the highest-paid executive at CoastalSouth Bancshares in fiscal 2025, with total compensation of $1,390,222.
How much does CoastalSouth Bancshares spend in total on board compensation for fiscal 2025?
As disclosed, CoastalSouth Bancshares reported total board compensation of $702,250 for fiscal 2025.

Answers are drawn only from the figures disclosed in this brief and cited to their location in the source filing. Where a figure required for an answer is not disclosed, that is stated rather than estimated.

11

Source register

Each figure's location is given both for the eye (section · page · table · row · column) and for a script (table/row/column index and exact character span in the filed document). Any figure can be independently confirmed against the source.

#SupportsDocumentFiledAccessionLocation in document
1Section 01, Stephen StoneDEF 14A2026-03-130001193125-26-105139Section “Summary Compensation Table” · page 11. As printed: 1,390,222. Filing ↗machine: span 356920–356929
2Section 01, Anthony ValdugaDEF 14A2026-03-130001193125-26-105139Section “Summary Compensation Table” · page 11. As printed: 806,126. Filing ↗machine: r6 · c23 · span 380827–380834
3Section 01, Lauren HembyDEF 14A2026-03-130001193125-26-105139Section “Summary Compensation Table” · page 11. As printed: 412,369. Filing ↗machine: r9 · c23 · span 404728–404735
4Section 03, Stephen Stone RSUDEF 14A2026-03-130001193125-26-105139Section “EXECUTIVE COMPENSATION” · grants of plan-based awards table. Filing ↗machine: t7 · r3 · c11 · span 352730–352737
5Section 03, Anthony Valduga RSUDEF 14A2026-03-130001193125-26-105139Section “EXECUTIVE COMPENSATION” · grants of plan-based awards table. Filing ↗machine: t7 · r6 · c11 · span 376664–376671
6Section 03, Lauren Hemby RSUDEF 14A2026-03-130001193125-26-105139Section “EXECUTIVE COMPENSATION” · grants of plan-based awards table. Filing ↗machine: t7 · r9 · c11 · span 400566–400572
7Section 07, pay ratio10-K2026-03-120001193125-26-104114Section “CEO Pay Ratio”. As printed: —. Filing ↗
8Section 08, James S. MacLeodDEF 14A2026-03-130001193125-26-105139Section “Director Compensation”. As printed: 95,930. Filing ↗machine: span 717536–717745
9Section 08, Patrick M. FrawleyDEF 14A2026-03-130001193125-26-105139Section “Director Compensation”. As printed: 64,130. Filing ↗machine: span 701008–701217
10Section 08, Joseph V. Topper JrDEF 14A2026-03-130001193125-26-105139Section “Director Compensation”. As printed: 63,070. Filing ↗machine: span 720785–720994
11Section 08, Mark A. GriffithDEF 14A2026-03-130001193125-26-105139Section “Director Compensation”. As printed: 63,070. Filing ↗machine: span 707646–707855
12Section 08, Ernst W. BrudererDEF 14A2026-03-130001193125-26-105139Section “Director Compensation”. As printed: 63,070. Filing ↗machine: span 697762–697971
13Section 08, John G. Aldridge JrDEF 14A2026-03-130001193125-26-105139Section “Director Compensation”. As printed: 58,830. Filing ↗machine: span 689877–690086
14Section 08, James N. Richardson JrDEF 14A2026-03-130001193125-26-105139Section “Director Compensation”. As printed: 58,830. Filing ↗machine: span 714292–714501
15Section 08, L. Scott AskinsDEF 14A2026-03-130001193125-26-105139Section “Director Compensation”. As printed: 58,830. Filing ↗machine: span 694516–694725
16Section 08, Michael B. HighDEF 14A2026-03-130001193125-26-105139Section “Director Compensation”. As printed: 58,830. Filing ↗machine: span 711040–711249
17Section 08, J. Simon FraserDEF 14A2026-03-130001193125-26-105139Section “Director Compensation”. As printed: 58,830. Filing ↗machine: span 704402–704611
18Section 08, Boris GutinDEF 14A2026-03-130001193125-26-105139Section “Director Compensation”. As printed: 58,830. Filing ↗machine: span 724180–724389
19Section 08, Stephen R. StoneDEF 14A2026-03-130001193125-26-105139Section “Director Compensation”. As printed: 0. Filing ↗
20Section 02, Lauren Hemby 2026-04-27Form 42026-04-290001193125-26-191617Insider equity transaction reported since the proxy statement. Filing ↗
21Section 02, Stephen R. Stone 2026-04-27Form 42026-04-290001193125-26-191618Insider equity transaction reported since the proxy statement. Filing ↗
22Section 02, Anthony Valduga 2026-04-27Form 42026-04-290001193125-26-191615Insider equity transaction reported since the proxy statement. Filing ↗
23Section 02, Cameron Bradley Turner 2026-04-27Form 42026-04-290001193125-26-191614Insider equity transaction reported since the proxy statement. Filing ↗
24Section 02, Anthony Valduga 2026-04-27Form 42026-04-290001193125-26-191615Insider equity transaction reported since the proxy statement. Filing ↗
25Section 02, Lauren Hemby 2026-04-27Form 42026-04-290001193125-26-191617Insider equity transaction reported since the proxy statement. Filing ↗
26Section 02, Lauren Hemby 2026-04-27Form 42026-04-290001193125-26-191617Insider equity transaction reported since the proxy statement. Filing ↗
27Section 02, Cameron Bradley Turner 2026-04-27Form 42026-04-290001193125-26-191614Insider equity transaction reported since the proxy statement. Filing ↗
28Section 02, Cameron Bradley Turner 2026-04-27Form 42026-04-290001193125-26-191614Insider equity transaction reported since the proxy statement. Filing ↗
29Section 02, Stephen R. Stone 2026-04-27Form 42026-04-290001193125-26-191618Insider equity transaction reported since the proxy statement. Filing ↗
30Section 02, Stephen R. Stone 2026-04-27Form 42026-04-290001193125-26-191618Insider equity transaction reported since the proxy statement. Filing ↗
31Section 02, Anthony Valduga 2026-04-27Form 42026-04-290001193125-26-191615Insider equity transaction reported since the proxy statement. Filing ↗
32Section 02, Anthony Valduga 2026-05-06Form 42026-05-060001193125-26-209443Insider equity transaction reported since the proxy statement. Filing ↗
33Section 02, Anthony Valduga 2026-05-06Form 42026-05-060001193125-26-209443Insider equity transaction reported since the proxy statement. Filing ↗
34Section 02, James S. MacLeod 2026-08-06Form 42026-09-140001193125-26-390584Insider equity transaction reported since the proxy statement. Filing ↗
35Section 02, James S. MacLeod 2026-08-07Form 42026-09-140001193125-26-390584Insider equity transaction reported since the proxy statement. Filing ↗
36Section 02, Ernst W. Bruderer 2026-08-12Form 42026-08-130001193125-26-349552Insider equity transaction reported since the proxy statement. Filing ↗
37Section 02, Ernst W. Bruderer 2026-08-18Form 42026-08-180001193125-26-355474Insider equity transaction reported since the proxy statement. Filing ↗
38Section 02, Ernst W. Bruderer 2026-08-26Form 42026-08-260001193125-26-368840Insider equity transaction reported since the proxy statement. Filing ↗
39Section 02, Ernst W. Bruderer 2026-08-31Form 42026-08-310001193125-26-376940Insider equity transaction reported since the proxy statement. Filing ↗
40Section 06, 2026 voteForm 8-K2026-04-240001193125-26-177286Item 5.07 · say-on-pay result. As reported: —. Filing ↗
41Section 01 trend, Δ column (computed)Computed——Δ = current-FY total − prior-FY total per named officer.machine: formula: Δ = FY(n) − FY(n−1)
42Section 03b vehicle mix (computed)Computed——RSU / PSU / Options grant-date fair values summed per officer from the grants table; % performance-vested = PSU ÷ (RSU+PSU+Options).machine: formula: sums + PSU ratio
43Section 09b board cost (computed)Computed——Cash 702,250 + equity 0 + all other 0 = 702,250, summed across the director compensation table rows.machine: formula: Σ = 702,250
44CoastalSouth Bancshares (subject), Section 10b CEO totalDEF 14A2026-03-130001193125-26-105139CEO total compensation as printed in CoastalSouth Bancshares's own proxy. As printed: 1,390,222. Filing ↗machine: span 356920–356929

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