---
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"
generated_at: "2026-05-16T06:23:11.248124+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Coastal Financial Q4 2025 EPS $0.82, revenue down 4.6% QoQ; core net revenue up 6.8%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- 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/1437958/000143795826000005/0001437958-26-000005-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1437958/000143795826000005/ck1437958-20260129.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437958-26-000005
- JSON: https://secwatch.observer/filing/0001437958-26-000005.json
- Plain text: https://secwatch.observer/filing/0001437958-26-000005.txt

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