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Coastal Financial CCB Community Bank — Average Loan Balance

Other segment segments

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$1.5K+329%

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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$692.83M-53.7%
Enterprise value-$311.1M-140%
P/S1.1×-1.6×

Profitability

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

Returns & leverage

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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:FinancingReceivablesBeforeAllowanceForCreditLossAverageAmountOutstanding.

The source filing: Coastal Financial’s 10-Q, filed May 8, 2026.

Filed
May 8, 2026, 9:24 AM EDT
Fiscal quarter
Q1 FY2026
Calendar quarter
Q1 2026
Accession
0001437958-26-000039
(dollars in thousands; unaudited)Outstanding Balance% of Total Outstanding Balance Consumer LoansAverage Loan BalanceNumber of Loans
Credit cards - total693,48548.41.5456,317
Lines of credit29,9562.10.1303,549
Other loans27,4431.90.1297,989
Community bank consumer loans
Lines of credit1630.05.331
Installment loans1,0880.143.525
Other loans10,3360.728.2366
Total$1,432,015100.0%$0.72,085,173

Item 1. Condensed Consolidated Financial Statements (unaudited)

FAQ

What is Coastal Financial's community bank — average loan balance?
Coastal Financial (CCB) reported community bank — average loan balance of $43.5K in Q1 2026.
How has Coastal Financial's community bank — average loan balance changed year-over-year?
Coastal Financial's community bank — average loan balance increased by 56.1% year-over-year, from $27.88K to $43.5K.
What does community bank — average loan balance mean?
The mean outstanding principal amount per individual loan within the community bank's portfolio. This provides insight into the typical size of credit facilities extended to customers and the segment's focus on small-ticket versus large-ticket lending.

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