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Coastal Financial CCB Community Bank — Noninterest Expense

Other segment segments

CCBX
$121.49M+134%
Treasury & Administration
$7.66M-8.4%

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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:NoninterestExpense.

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 — noninterest expense?
Coastal Financial (CCB) reported community bank — noninterest expense of $11.96M in Q2 2026.
How has Coastal Financial's community bank — noninterest expense changed year-over-year?
Coastal Financial's community bank — noninterest expense decreased by 5.2% year-over-year, from $12.61M to $11.96M.
What is the long-term trend for Coastal Financial's community bank — noninterest expense?
Over 4 years (2021 to 2025), Coastal Financial's community bank — noninterest expense has grown at a -1.8% compound annual growth rate (CAGR), from $51.55M to $47.86M.
What does community bank — noninterest expense mean?
The aggregate of all operating costs, excluding interest expense, incurred by the community banking segment. This is a primary indicator of the segment's operational efficiency and cost management discipline.

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