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Coastal Financial CCB Community Bank — Net Income

Other segment segments

CCBX
-$51.18M-814%
Treasury & Administration
-$1.68M+38.2%

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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$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

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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:NetIncomeLoss.

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
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
Net income/(loss) before income taxes14,482(66,765)(2,911)(55,194)8,7189,907(4,238)14,387
Income taxes3,731(15,587)(1,233)(13,089)2,1382,742(1,521)3,359
Net income/(loss)$10,751$(51,178)$(1,678)$(42,105)$6,580$7,165$(2,717)$11,028

Item 1. Condensed Consolidated Financial Statements (unaudited)

FAQ

What is Coastal Financial's community bank — net income?
Coastal Financial (CCB) reported community bank — net income of $10.75M in Q2 2026.
How has Coastal Financial's community bank — net income changed year-over-year?
Coastal Financial's community bank — net income increased by 63.4% year-over-year, from $6.58M to $10.75M.
What is the long-term trend for Coastal Financial's community bank — net income?
Over 4 years (2021 to 2025), Coastal Financial's community bank — net income has grown at a 6.5% compound annual growth rate (CAGR), from $24.26M to $31.17M.
What does community bank — net income mean?
The final profit generated by the community banking segment after all operating expenses, interest costs, provisions for credit losses, and taxes have been deducted. It is the definitive measure of the segment's financial performance and value creation.

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