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Bradford Langs

Mr. Langs joined CoastalStates Bank in 2009 as the Chief Risk Officer/Chief Credit Officer.� He is responsible for oversight of the bank�s loan portfolio, enterprise risk management, and liquidity.� He also assists with the management of the bank�s investment portfolio.� Mr. Langs has over 25 years of experience working for a community bank, investment management firms (Morgan Stanley and Tall Tree Investments), a securities/brokerage firm (Everen/Kemper Securities), and a bond rating agency (Standard & Poor�s).His background includes the analysis/portfolio management of commercial and consumer loans, senior corporate bank loans, as well as analysis of taxable and tax-exempt fixed income securities, and equity investments.� Areas of specialization include healthcare, banking/finance, textiles, aerospace/defense, publishing and structured finance investments.Mr. Langs received a B.A. from Brown University and an MBA from Northwestern University.� He is also a Chartered Financial Analyst.