{"schema_version":"secwatch.filing_event.v1","accession":"0001437958-26-000005","form_type":"8-K","ticker":"CCB","cik":"0001437958","company_name":"COASTAL FINANCIAL CORP","filed_at":"2026-01-29T23:59:59+00:00","discovered_at":"2026-05-14T18:02:35.087166+00:00","generated_at":"2026-05-16T06:23:11.248124+00:00","sec_items":["7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Coastal Financial Q4 2025 EPS $0.82, revenue down 4.6% QoQ; core net revenue up 6.8%","bullets":["Diluted EPS $0.82 vs $0.88 LQ; net income $12.6M, down 7% QoQ and 5.4% YoY.","Revenue $138.0M, down 4.6% QoQ; core net revenue (non-GAAP) $56.5M, up 6.8% QoQ.","Total loans $3.75B (+1.2% QoQ); deposits $4.14B (+4.3%), led by CCBX growth.","Sold $2.98B in loans during Q4; $2.26B from previously sold credit card receivables.","CCBX partners: 19 active; BaaS program fee income up 50.6% YoY; Robinhood deposit program launched."],"urls":{"canonical":"https://secwatch.observer/filing/0001437958-26-000005","json":"https://secwatch.observer/filing/0001437958-26-000005.json","markdown":"https://secwatch.observer/filing/0001437958-26-000005.md","text":"https://secwatch.observer/filing/0001437958-26-000005.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1437958/000143795826000005/0001437958-26-000005-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1437958/000143795826000005/ck1437958-20260129.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T06:23:11.248124+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"}