secwatch.observer — SEC 8-K summary
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Issuer:     COASTAL FINANCIAL CORP (CCB)
CIK:        0001437958
Form:       8-K
Filed at:   2026-01-29T23:59:59+00:00
Accession:  0001437958-26-000005
Event type: earnings
Sentiment:  neutral
Materiality: 0.75
Item codes: 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1437958/000143795826000005/0001437958-26-000005-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1437958/000143795826000005/ck1437958-20260129.htm
  HTML page:      https://secwatch.observer/filing/0001437958-26-000005

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer