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Coastal Financial CCB BaaS fraud enhancements — Noninterest income

Other product segments

BaaS credit enhancements
$70.73M+126%
Total Noninterest Income Subject to Topic 606
$34.34M+39.2%
Transaction and interchange fees
$6.84M+33.8%
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%

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$2.28M+6.4%
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UVSPOther service fee income — Noninterest income
$3.32M+5.5%
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BUSETreasury management services — Noninterest income
$4.79M+4.8%
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$4.4M+2.3%
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CBNKGovernment lending revenue — Noninterest income
$1.21M-61.2%

Other financials

Income statement

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

Balance sheet

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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

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

Valuation

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

Profitability

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

Returns & leverage

See full
Return on equity-0.8%-13.1pp
Debt / equity0×0.0×

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
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
Salaries and employee benefits23,61521,45046,77942,967

Item 1. Condensed Consolidated Financial Statements (unaudited)

FAQ

What is Coastal Financial's baas fraud enhancements — noninterest income?
Coastal Financial (CCB) reported baas fraud enhancements — noninterest income of $4.31M in Q2 2026.
How has Coastal Financial's baas fraud enhancements — noninterest income changed year-over-year?
Coastal Financial's baas fraud enhancements — noninterest income increased by 53.8% year-over-year, from $2.8M to $4.31M.
What is the long-term trend for Coastal Financial's baas fraud enhancements — noninterest income?
Over 3 years (2022 to 2025), Coastal Financial's baas fraud enhancements — noninterest income has grown at a -35.3% compound annual growth rate (CAGR), from $29.57M to $8.01M.
What does baas fraud enhancements — noninterest income mean?
This metric represents the noninterest income generated specifically from Banking-as-a-Service (BaaS) fraud prevention and security enhancement services provided to third-party partners. It reflects the revenue stream derived from specialized risk management and compliance technology offerings within the company's financial infrastructure platform. This income is a key indicator of the value proposition and market demand for the firm's integrated security solutions in the digital banking ecosystem.

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