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Coastal Financial CCB Community Bank — Credit enhancement receivable valuation adjustment

Other segment segments

CCBX
$46.01M
Treasury & Administration
$0

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MSBICredit enhancement asset
$13.48M+140%
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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 ck1437958:CreditEnhancementReceivableValuationAdjustment.

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, 2026 / Community BankThree months ended June 30, 2026 / CCBXThree months ended June 30, 2026 / Treasury & AdministrationThree months ended June 30, 2026 / ConsolidatedThree months ended June 30, 2025 / Community BankThree months ended June 30, 2025 / CCBXThree months ended June 30, 2025 / Treasury & AdministrationThree months ended June 30, 2025 / Consolidated
Occupancy75784498908187423915
Data processing and software licenses2,33910,3231,68614,3481,9523,843(254)5,541
Legal and professional expenses3774,8329886,1977002,3532,9095,962
Credit enhancement receivable valuation adjustment46,00946,009
Other expense9563,4759005,3312,1141,538253,677
BaaS loan expense40,40940,40932,48332,483
BaaS fraud expense4,3124,3122,8042,804
Total noninterest expense11,958121,4947,659141,11112,61351,8618,35872,832

Item 1. Condensed Consolidated Financial Statements (unaudited)

FAQ

What is Coastal Financial's community bank — credit enhancement receivable valuation adjustment?
Coastal Financial (CCB) reported community bank — credit enhancement receivable valuation adjustment of $0 in Q2 2026.
What does community bank — credit enhancement receivable valuation adjustment mean?
This metric represents the periodic valuation adjustments made to credit enhancement receivables within the community banking segment. It reflects changes in the estimated fair value or collectability of assets designed to mitigate credit risk on loan portfolios. Investors use this to assess the underlying credit quality of the segment's lending activities and the potential impact of credit risk management strategies on earnings.

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