{"schema_version":"secwatch.filing_event.v1","accession":"0001437958-24-000102","form_type":"8-K","ticker":"CCB","cik":"0001437958","company_name":"COASTAL FINANCIAL CORP","filed_at":"2024-07-29T23:59:59+00:00","discovered_at":"2026-05-14T18:03:13.068753+00:00","generated_at":"2026-05-31T15:41:09.988742+00:00","sec_items":["7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Coastal Financial Q2 net income $11.6M, EPS $0.84; BaaS fee income up 54% YoY","bullets":["Q2 net income $11.6M ($0.84 diluted EPS) vs Q1 $6.8M ($0.50).","Total assets $3.96B, loans $3.33B, deposits $3.54B; growth of 2.5%, 4.0%, 2.3% QoQ.","BaaS program fee income $6.1M in Q2, up 54.4% YoY; CCBX has 19 active partners with 2 more in pipeline.","Efficiency ratio 43.19%; ROAA 1.21%; nonaccrual loans 0.24% of total loans; capital ratios solid.","Uninsured deposits $532.9M fully covered by $1.19B cash & borrowing capacity (32.1% of deposits)."],"urls":{"canonical":"https://secwatch.observer/filing/0001437958-24-000102","json":"https://secwatch.observer/filing/0001437958-24-000102.json","markdown":"https://secwatch.observer/filing/0001437958-24-000102.md","text":"https://secwatch.observer/filing/0001437958-24-000102.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1437958/000143795824000102/0001437958-24-000102-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1437958/000143795824000102/ck1437958-20240729.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T15:41:09.988742+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}