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Coastal Financial CCB BaaS credit enhancements — Noninterest income

Other product segments

Total Noninterest Income Subject to Topic 606
$34.34M+39.2%
BaaS program income
$8.37M+50.6%
Transaction and interchange fees
$5.87M+53.2%
BaaS fraud enhancements
$3.06M+53.5%
Servicing and other BaaS fees
$2.62M+84.8%
Reimbursement of expenses
$2.39M+133%
Other income
$1.29M+85.8%
Other
$1.05M-0.3%
Merchant service fees
$495K+1.6%
Overdraft fees
$207K+4.5%
Loan referral fees
$0-100%

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Other financials

Income statement

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Revenue$149.4M+7.1%
Net income$12.0M+23.5%
EPS (diluted)$0.78+23.8%

Balance sheet

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Cash & equivalents$1.5B+140%
Total debt$4.8M-9.3%
Total equity$503.8M+12.0%
Total assets$5.7B+30.5%

Cash flow

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Operating cash flow$76.0M+6.0%
CapEx$1.8M-33.3%
Free cash flow$74.1M+7.6%

Valuation

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Market cap$1.14B-11.7%
Enterprise value-$348.99M-152%
P/E23.2×-3.7×
P/S2.1×-0.2×

Profitability

See full
Net margin8.9%+0.5pp
FCF margin45.6%-0.5pp

Returns & leverage

See full
Return on equity10.3%-2.4pp
Debt / equity0×0.0×

Where this comes from

Reported directly by Coastal Financial in its filing.

Tagged under the XBRL concept us-gaap:RevenueFromContractWithCustomerIncludingAssessedTax.

The official record: Coastal Financial’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Coastal Financial's baas credit enhancements — noninterest income?
Coastal Financial (CCB) reported baas credit enhancements — noninterest income of $50.74M in Q1 2026.
How has Coastal Financial's baas credit enhancements — noninterest income changed year-over-year?
Coastal Financial's baas credit enhancements — noninterest income decreased by 5.4% year-over-year, from $53.65M to $50.74M.
What is the long-term trend for Coastal Financial's baas credit enhancements — noninterest income?
Over 3 years (2022 to 2025), Coastal Financial's baas credit enhancements — noninterest income has grown at a 34.9% compound annual growth rate (CAGR), from $76.37M to $187.65M.
What does baas credit enhancements — noninterest income mean?
This metric represents the noninterest income generated from credit enhancement services provided within a Banking-as-a-Service (BaaS) framework. It captures fees earned for mitigating credit risk or providing guarantees on financial products facilitated through third-party partners. This revenue stream reflects the company's ability to monetize its balance sheet and risk management capabilities in digital banking ecosystems.