{"schema_version":"secwatch.filing_event.v1","accession":"0001437958-26-000004","form_type":"8-K","ticker":"CCB","cik":"0001437958","company_name":"COASTAL FINANCIAL CORP","filed_at":"2026-01-29T23:59:59+00:00","discovered_at":"2026-05-14T18:02:35.086952+00:00","generated_at":"2026-05-16T06:23:07.383838+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Coastal Financial Q4 net income $12.6M ($0.82 diluted EPS); BaaS deposits up 7.7%","bullets":["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%."],"urls":{"canonical":"https://secwatch.observer/filing/0001437958-26-000004","json":"https://secwatch.observer/filing/0001437958-26-000004.json","markdown":"https://secwatch.observer/filing/0001437958-26-000004.md","text":"https://secwatch.observer/filing/0001437958-26-000004.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1437958/000143795826000004/0001437958-26-000004-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1437958/000143795826000004/ck1437958-20260129.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T06:23:07.383838+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"}