Coastal Financial Q4 net income $12.6M ($0.82 diluted EPS); BaaS deposits up 7.7%

COASTAL FINANCIAL CORP

2025-FY EPS reported $3.06

Net income $12.6M ($0.82 diluted EPS) vs $13.6M ($0.88) in Q3 2025 and $13.4M ($0.94) in Q4 2024.
CCBX loans sold $2.98B; off-balance sheet credit cards with fee potential rose 154,165 to 550,977.
Total deposits up 4.3% to $4.14B; CCBX deposits increased $182.9M to $2.56B with Robinhood launch.
Noninterest expense $72.8M includes $2.5M restructuring costs and $0.7M employment settlement.
Provision for credit losses $48.0M (down from $56.6M in Q3); net charge-offs to avg loans 5.31%.

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