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Coastal Financial Corporation (CCB) investor relations material
Coastal Financial Corporation Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary28 Jul, 2025
Executive summary
Net income for Q2 2025 was $11.0 million ($0.71 per diluted share), down from $11.6 million in Q2 2024 but up from $9.7 million in Q1 2025, mainly due to higher noninterest expenses.
Total assets reached $4.48 billion, loans receivable $3.54 billion, deposits $3.91 billion, and shareholders' equity $461.7 million as of June 30, 2025.
CCBX segment expanded to 29 partners, with strong deposit growth and ongoing focus on optimizing the portfolio and selling loans to manage growth and credit quality.
Deposits increased 3.2% sequentially to $3.91 billion, with liquidity supported by $719.8 million in cash and $642.7 million in borrowing capacity.
CCBX BaaS program fee income (excluding nonrecurring revenue) rose 8.2% sequentially, reflecting increased partner activity.
Financial highlights
Net interest income for Q2 2025 was $76.7 million, up 16% year-over-year, driven by loan growth, especially in CCBX.
Provision for credit losses decreased to $32.2 million from $62.3 million year-over-year, reflecting improved CCBX loan performance.
Noninterest income fell 38.2% to $42.7 million, mainly due to lower BaaS indemnification/credit enhancement income.
Noninterest expense rose 25.7% to $72.8 million, with increases in salaries, BaaS loan and fraud expense, legal, and technology costs.
Allowance for credit losses was $164.8 million (4.65% of loans), with CCBX at 8.68% and community bank at 1.02%.
Outlook and guidance
Continued focus on optimizing CCBX portfolio, selling loans to manage risk and capital, and expanding partnerships with established fintechs.
Expectation of ongoing growth in transaction and interchange fees as partner activity increases.
Anticipated increases in technology and compliance costs due to regulatory focus on BaaS and third-party risk management.
Expense growth is expected to moderate as new programs generate revenue to offset initial costs.
Deposit sweep capabilities and new digital banking partnerships (e.g., Robinhood, Dave) expected to diversify and grow deposits.
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Next Coastal Financial Corporation earnings date
Q3 202527 Oct, 2025
Next Coastal Financial Corporation earnings date
Q3 202527 Oct, 2025
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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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