---
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"
generated_at: "2026-05-16T06:23:07.383838+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437958-26-000004
- JSON: https://secwatch.observer/filing/0001437958-26-000004.json
- Plain text: https://secwatch.observer/filing/0001437958-26-000004.txt

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