{"schema_version":"secwatch.filing_event.v1","accession":"0001437958-25-000009","form_type":"8-K","ticker":"CCB","cik":"0001437958","company_name":"COASTAL FINANCIAL CORP","filed_at":"2025-01-28T23:59:59+00:00","discovered_at":"2026-05-14T18:03:03.631344+00:00","generated_at":"2026-05-27T08:14:18.604265+00:00","sec_items":["7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Coastal Financial Q4 2024 EPS $0.94, net income $13.4M, completes $98M equity raise","bullets":["Diluted EPS $0.94 vs $0.97 LQ and $0.66 PYQ; net income $13.4M, up 48.3% YoY.","Completed $98.0M equity raise at $71/share; tangible book value $29.37, up 19.8% LQ.","Core net revenue $47.8M, up 4.8% LQ; revenue $143.3M, down 5.9% LQ due to lower credit enhancement revenue.","Sold $845.5M in CCBX loans, mostly credit card receivables; total credit cards with fee potential: 182,449 vs 81,426 at Sept 30.","Community bank net charge-off ratio 0.03% YTD; loans grew 2.0% to $3.49B."],"urls":{"canonical":"https://secwatch.observer/filing/0001437958-25-000009","json":"https://secwatch.observer/filing/0001437958-25-000009.json","markdown":"https://secwatch.observer/filing/0001437958-25-000009.md","text":"https://secwatch.observer/filing/0001437958-25-000009.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1437958/000143795825000009/0001437958-25-000009-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1437958/000143795825000009/ck1437958-20250128.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T08:14:18.604265+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"}