---
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"
generated_at: "2026-05-17T01:37:22.982383+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Coastal Financial Q3 2025 EPS $0.88, net income $13.6M; loans up 4.6%, BaaS fees up 11.3%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437958-25-000164
- JSON: https://secwatch.observer/filing/0001437958-25-000164.json
- Plain text: https://secwatch.observer/filing/0001437958-25-000164.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.