Skip to content
Screener

Coastal Financial CCB BaaS credit enhancements — Noninterest income

Other product segments

Total Noninterest Income Subject to Topic 606
$34.34M+39.2%
Transaction and interchange fees
$6.84M+33.8%
BaaS fraud enhancements
$4.31M+53.8%
Servicing and other BaaS fees
$2.92M+53.9%
Reimbursement of expenses
$2.26M+250%
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%

Similar metrics at other companies

Capital Bancorp logo
CBNKCredit card fees — Noninterest income
$4.4M+2.3%
First Busey Corporation logo
BUSECapital markets income — Noninterest income
$1.87M+49.2%
Univest Financial Corporation logo
UVSPTrust fee income — Noninterest income
$2.28M+6.4%
Univest Financial Corporation logo
UVSPOther service fee income — Noninterest income
$3.32M+5.5%
First Busey Corporation logo
BUSETreasury management services — Noninterest income
$4.79M+4.8%
Capital Bancorp logo
CBNKGovernment lending revenue — Noninterest income
$1.21M-61.2%

Other financials

Income statement

See full
Revenue$178.1M+49.1%
Net income-$42.1M-482%
EPS (diluted)-$2.76-489%

Balance sheet

See full
Cash & equivalents$1.0B+40.1%
Total debt$4.5M-10.7%
Total equity$463.4M+0.4%
Total assets$5.5B+21.8%

Cash flow

See full
Operating cash flow$76.9M+16.4%
CapEx$2.2M+6.1%
Free cash flow$74.6M+16.7%

Valuation

See full
Market cap$671.28M-53.3%
Enterprise value-$332.65M-146%
P/S1.1×-1.5×

Profitability

See full
Net margin-0.6%-9.2pp
FCF margin42.9%-3.5pp

Returns & leverage

See full
Return on equity-0.8%-13.1pp
Debt / equity0.0×

Where this comes from

Reported directly by Coastal Financial in its filing.

Tagged under the XBRL concept us-gaap:RevenueFromContractWithCustomerIncludingAssessedTax.

The source filing: Coastal Financial’s 10-Q, filed August 7, 2026.

Filed
Aug 7, 2026, 11:01 AM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001437958-26-000061
Line itemThree Months Ended / June 30, 2026Three Months Ended / June 30, 2025Six Months Ended / June 30, 2026Six Months Ended / June 30, 2025
Transaction and interchange fees6,8365,10912,7098,942
Reimbursement of expenses2,2596464,6511,672
BaaS program income12,0127,65122,90013,929
BaaS credit enhancements70,72531,268121,46984,916
BaaS fraud enhancements4,3122,8047,3714,797
BaaS indemnification income75,03734,072128,84089,713
Total noninterest income88,70742,693154,784106,170
NONINTEREST EXPENSE

Item 1. Condensed Consolidated Financial Statements (unaudited)

FAQ

What is Coastal Financial's baas credit enhancements — noninterest income?
Coastal Financial (CCB) reported baas credit enhancements — noninterest income of $70.73M in Q2 2026.
How has Coastal Financial's baas credit enhancements — noninterest income changed year-over-year?
Coastal Financial's baas credit enhancements — noninterest income increased by 126.2% year-over-year, from $31.27M to $70.73M.
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.

Ask your AI about Coastal Financial's baas credit enhancements — noninterest income.

Connect your AI assistant and compare segments, right in your chat.

Connect your AI
Harbor at dusk
Claude