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Coastal Financial Corporation (CCB) investor relations material
Coastal Financial Corporation Q1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Total assets rose 19.5% to $5.66 billion at March 31, 2026, driven by strong deposit and loan growth, especially from new CCBX partner relationships.
Net income for Q1 2026 was $12.0 million ($0.78 per diluted share), down from $12.6 million in Q4 2025 but up from $9.7 million in Q1 2025.
Revenue increased 8.3% sequentially to $149.4 million, supported by higher credit enhancement revenue and BaaS program income.
CCBX (BaaS) segment expanded with 20 active partners, new products, and significant growth in fee-based income and off-balance sheet activities.
Financial highlights
Total loans receivable grew 2.9% sequentially to $3.86 billion; $3.28 billion in loans were sold during the quarter.
Total deposits surged 21.6% to $5.04 billion, primarily from new CCBX partners; $2.81 billion in deposits were swept off-balance sheet for FDIC insurance and liquidity.
Net interest margin decreased slightly to 7.00%; net interest margin net of BaaS loan expense fell to 3.90%.
Noninterest income reached $66.1 million, up $7.4 million sequentially, driven by BaaS program and indemnification income.
Efficiency ratio increased to 55.85% from 52.75% last quarter.
Outlook and guidance
Management expects newly added deposits to moderate by ~$500 million and level out in Q2 2026.
Deposit balances may decline as sweep functionality is further implemented, moving funds off-balance sheet.
Margin pressure anticipated due to evolving rate environment, but diversified business model and funding base seen as strengths.
Continued expansion of partner programs and technology investments are expected to support scalable growth.
Focus remains on disciplined growth, credit quality, and long-term value creation.
- Virtual annual meeting to vote on directors, auditor, and executive pay, with strong governance and ESG focus.CCB
Proxy filing13 Apr 2026 - Shareholders will vote virtually on directors, auditor ratification, and executive pay in 2026.CCB
Proxy filing13 Apr 2026 - Q4 net income was $12.6M, with CCBX and BaaS driving deposit and fee income growth.CCB
Q4 202529 Jan 2026 - Shareholders will vote on directors, executive pay, plan amendments, and auditor ratification.CCB
Proxy Filing2 Dec 2025 - Shareholders will vote on director elections, executive pay, plan amendments, and auditor ratification.CCB
Proxy Filing2 Dec 2025 - Director elections, compensation, plan amendments, and auditor ratification up for vote.CCB
Proxy Filing2 Dec 2025 - Q3 2025 net income rose to $13.6M on strong loan growth and BaaS expansion.CCB
Q3 20257 Nov 2025 - Q2 2025 saw strong deposit and loan growth, but higher expenses reduced net income.CCB
Q2 20258 Aug 2025 - Q3 net income rose 31% to $13.5M, led by CCBX growth and strong fee income.CCB
Q3 202413 Jun 2025
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