---
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"
generated_at: "2026-05-15T01:41:31.086449+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Coastal Financial Q1 net income $12.0M ($0.78 dil. EPS); deposits grow 21.6%, CCBX fee income $10.9M

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- 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/1437958/000143795826000031/0001437958-26-000031-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1437958/000143795826000031/ck1437958-20260429.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437958-26-000031
- JSON: https://secwatch.observer/filing/0001437958-26-000031.json
- Plain text: https://secwatch.observer/filing/0001437958-26-000031.txt

## Key facts
- Earnings Releases
  COASTAL FINANCIAL CORP reported quarter ended March 31, 2026 results: net income $12.0 million, EPS $0.78 per diluted common share.
  - Period: quarter ended March 31, 2026
  - Net income: $12.0 million
  - EPS: $0.78 per diluted common share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1437958/000143795826000031/0001437958-26-000031-index.htm

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