{"schema_version":"secwatch.filing_event.v1","accession":"0001437958-26-000031","form_type":"8-K","ticker":"CCB","cik":"0001437958","company_name":"COASTAL FINANCIAL CORP","filed_at":"2026-04-29T23:59:59+00:00","discovered_at":"2026-05-14T18:02:32.291422+00:00","generated_at":"2026-05-15T01:41:31.086449+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Coastal Financial Q1 net income $12.0M ($0.78 dil. EPS); deposits grow 21.6%, CCBX fee income $10.9M","bullets":["Net income $12.0M, diluted EPS $0.78 vs $0.82 prior Q and $0.63 year ago; net interest income $83.4M (+5% QoQ).","Total assets $5.66B (+19.5% from Dec 2025); deposits $5.04B (+21.6%); loans receivable $3.86B (+2.9%).","CCBX BaaS fee income $10.9M (+22.3% QoQ); 20 active partners, 30 total relationships; $3.28B loans sold.","Provision for credit losses $51.4M; net charge-offs to avg loans 5.18% (annualized) vs 5.31% prior Q.","NIM 7.00% vs 7.03% prior Q and 7.48% year ago; NPAs/total assets improved to 1.19%."],"urls":{"canonical":"https://secwatch.observer/filing/0001437958-26-000031","json":"https://secwatch.observer/filing/0001437958-26-000031.json","markdown":"https://secwatch.observer/filing/0001437958-26-000031.md","text":"https://secwatch.observer/filing/0001437958-26-000031.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1437958/000143795826000031/0001437958-26-000031-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1437958/000143795826000031/ck1437958-20260429.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T01:41:31.086449+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":[{"claim_id":"8724eb8cc1d55df8ae8a92b4f687864c30203ddc","claim":"COASTAL FINANCIAL CORP reported quarter ended March 31, 2026 results: net income $12.0 million, EPS $0.78 per diluted common share.","evidence_excerpt":"today reported unaudited financial results for the quarter ended March 31, 2026, including net income of $12.0 million, or $0.78 per diluted common share","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1437958/000143795826000031/0001437958-26-000031-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"quarter ended March 31, 2026"},{"label":"Net income","value":"$12.0 million"},{"label":"EPS","value":"$0.78 per diluted common share"},{"label":"Result","value":"reported results"}]}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}