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Coastal Financial Corporation
Coastal Financial Corporation (CCB) investor relations material
Coastal Financial Corporation Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary29 Jan, 2026
Executive summary
Net income for Q4 2025 was $12.6 million, down 7.0% from the previous quarter and 5.4% year-over-year, with diluted EPS at $0.82, impacted by higher noninterest expense.
Loans receivable reached $3.75 billion, up 1.2% from the prior quarter, and deposits increased 4.3% to $4.14 billion, driven by CCBX and core lending growth.
Acquired GreenFi, a climate-focused brand, enhancing partnerships and evaluating strategic alternatives.
CCBX and BaaS segments expanded with new partners and product launches, driving fee income and platform growth.
AI deployment advanced, improving efficiency, risk management, and customer experience.
Financial highlights
Core net revenue grew 6.8% from the previous quarter to $56.5 million, while total revenue decreased 4.6% to $138.0 million due to lower credit enhancement revenue.
Net interest income for Q4 2025 was $79.4 million, up 1.9% sequentially and 9.5% year-over-year.
Book value per share increased 3.1% from last quarter and 10.4% year-over-year to $32.43; tangible book value per share was $32.13.
Allowance for credit losses was $169.5 million (4.52% of loans), with CCBX portfolio at 8.37% and community bank at 0.94%.
Total assets reached $4.74 billion, up $188.4 million (4.1%) from Q3 2025.
Outlook and guidance
Expansion of partner programs and new product launches, such as Robinhood's deposit program, are expected to drive future deposit and revenue growth.
Ongoing technology and AI investments aim to support scalable, compliant growth and deepen customer relationships.
Additional CCBX loan sales anticipated to optimize portfolio and manage credit quality.
Management expects higher partner revenue as new and expanded CCBX products gain traction.
Impact of lower credit enhancement revenue on total revenue
Future revenue from off-balance sheet credit cards
CCBX NIM sensitivity to Fed Funds rate changes
CCBX partner selection strategy post-Albert exit?
Explain the impact of loan sales on CCBX loan yield.
Excluding one-offs, what drives noninterest expense?
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Next Coastal Financial Corporation earnings date
Q1 202628 Apr, 2026
Coastal Financial Corporation
Next Coastal Financial Corporation earnings date
Q1 202628 Apr, 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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