---
schema_version: "secwatch.filing_event.v1"
accession: "0001437958-25-000165"
form_type: "8-K"
ticker: "CCB"
cik: "0001437958"
company_name: "COASTAL FINANCIAL CORP"
filed_at: "2025-10-29T23:59:59+00:00"
generated_at: "2026-05-17T01:37:24.056936+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- Diluted EPS $0.88, net income $13.6M up 23.2% from prior quarter.
- Total revenue $144.7M up 21.1% QoQ; core net revenue $52.9M up 1.3%.
- Loans receivable $3.70B up $163.5M (4.6%); deposits $3.97B up $59.0M (1.5%).
- Sold $1.62B in loans in Q3, $1.37B recurring credit card; CCBX debit cards 7.1M (up from 6.3M).
- Robinhood deposit program in testing, expected to ramp in Q4 2025; BaaS fee income +46.5% YoY.

## SEC filing metadata
- accession: 0001437958-25-000165
- 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: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1437958/000143795825000165/0001437958-25-000165-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1437958/000143795825000165/ck1437958-20251029.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437958-25-000165
- JSON: https://secwatch.observer/filing/0001437958-25-000165.json
- Plain text: https://secwatch.observer/filing/0001437958-25-000165.txt

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