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Coastal Financial Corporation (CCB) investor relations material
Coastal Financial Corporation Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary7 Nov, 2025
Executive summary
Net income for Q3 2025 was $13.6 million ($0.88 per diluted share), up from $11.0 million ($0.71) in Q2 2025 and nearly flat from $13.5 million ($0.97) in Q3 2024.
Total assets reached $4.55 billion, up 10.5% from December 31, 2024, driven by loan and deposit growth.
Total revenue increased 21.1% from the prior quarter, reaching $144.7 million, driven by higher credit enhancement revenue.
The company operates through three segments: community bank, CCBX (banking-as-a-service), and treasury & administration.
$1.62 billion in loans were sold during the quarter, with $1.37 billion from recurring credit card receivables.
Financial highlights
Net interest income was $77.9 million, up 1.5% from Q2 2025 and 7.8% from Q3 2024.
Noninterest income reached $66.8 million, up $24.1 million from Q2 2025, but down 15.2% year-over-year due to lower BaaS indemnification income.
Noninterest expense for Q3 2025 was $70.2 million, down $2.7 million sequentially but up 8.9% year-over-year.
Return on average assets (ROA) was 1.19%, up from 0.99% last quarter but down from 1.34% a year ago.
Efficiency ratio improved to 48.5% from 61.0% last quarter.
Outlook and guidance
Management expects further BaaS partner and product expansion into 2026, with continued investment in technology and risk management to drive efficiency and manage costs.
Robinhood's deposit program is in testing and expected to ramp up in Q4 2025, with further partner expansions anticipated to drive higher revenue.
Loan sales to partners will continue as part of portfolio optimization and risk management.
Ongoing expense fluctuations are expected due to new CCBX partners and product launches.
CCBX loan sales: revenue vs. balance sheet impact?
CCBX credit risk: What is the residual exposure?
Noninterest expense: When will investments yield?
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Next Coastal Financial Corporation earnings date
Q4 202527 Jan, 2026
Next Coastal Financial Corporation earnings date
Q4 202527 Jan, 2026
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Frequently asked questions
Coastal Financial Corporation is a bank holding company based in Everett, Washington. It operates primarily through its subsidiary, Coastal Community Bank, which offers a comprehensive range of banking products and services. These services cater to small and medium-sized businesses, professionals, and individual customers, mainly within the Puget Sound region of Washington State. The company is headquartered in Everett, Washington, and its shares are listed on the NASDAQ.
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