{"schema_version":"secwatch.filing_event.v1","accession":"0001437958-25-000164","form_type":"8-K","ticker":"CCB","cik":"0001437958","company_name":"COASTAL FINANCIAL CORP","filed_at":"2025-10-29T23:59:59+00:00","discovered_at":"2026-05-14T18:02:39.416471+00:00","generated_at":"2026-05-17T01:37:22.982383+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Coastal Financial Q3 2025 EPS $0.88, net income $13.6M; loans up 4.6%, BaaS fees up 11.3%","bullets":["Net income $13.6M ($0.88 dil. EPS) vs prior Q2 $11.0M ($0.71) and Q3 2024 $13.5M ($0.97).","Loans receivable increased $163.5M (4.6%); deposits up $59.0M (1.5%).","CCBX BaaS program fee income $7.6M, up 11.3% from Q2 excluding $504K nonrecurring revenue.","Partner pipeline: 2 in testing, 4 in implementation/onboarding, 2 signed LOIs.","CEO cites positive partner progression and confident in managing expenses and credit quality."],"urls":{"canonical":"https://secwatch.observer/filing/0001437958-25-000164","json":"https://secwatch.observer/filing/0001437958-25-000164.json","markdown":"https://secwatch.observer/filing/0001437958-25-000164.md","text":"https://secwatch.observer/filing/0001437958-25-000164.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1437958/000143795825000164/0001437958-25-000164-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1437958/000143795825000164/ck1437958-20251029.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T01:37:22.982383+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"}