{"schema_version":"secwatch.filing_event.v1","accession":"0001437958-24-000104","form_type":"8-K","ticker":"CCB","cik":"0001437958","company_name":"COASTAL FINANCIAL CORP","filed_at":"2024-07-29T23:59:59+00:00","discovered_at":"2026-05-14T18:03:13.069116+00:00","generated_at":"2026-05-31T15:41:08.927915+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Coastal Financial Q2 net income $11.6M ($0.84 EPS), loans up 4% QoQ, NIM expands to 7.13%","bullets":["Net income $11.6M ($0.84 diluted EPS) vs $6.8M ($0.50) in Q1; down from $12.9M ($0.95) YoY.","Total loans, net of deferred fees, increased $126.9M (4.0%) to $3.33B; CCBX loans up $98.1M (7.4%).","Net interest margin expanded to 7.13% from 6.78% in Q1; yield on loans 11.23% vs 10.85%.","Deposits grew $80.5M (2.3%) to $3.54B; community bank deposits up 3.7% after two quarters of decline.","Sold $155.2M in CCBX loans; reduced credit exposure from 10% to 5% effective April 1."],"urls":{"canonical":"https://secwatch.observer/filing/0001437958-24-000104","json":"https://secwatch.observer/filing/0001437958-24-000104.json","markdown":"https://secwatch.observer/filing/0001437958-24-000104.md","text":"https://secwatch.observer/filing/0001437958-24-000104.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1437958/000143795824000104/0001437958-24-000104-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1437958/000143795824000104/ck1437958-20240729.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T15:41:08.927915+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"}