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Coastal Financial CCB Community Bank — Service charges and fees

Other segment segments

CCBX
-$29K
Treasury & Administration
$0

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BHRBDeposit related fees — Service charges and fees
$1.95M+18.9%

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:DepositServiceChargesAndFees.

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
Provision/(Recapture) for credit losses(2,311)94,46892,157(216)32,42732,211
Net interest income/(expense) after provision for credit losses on loans and unfunded commitments25,240(32,312)4,282(2,790)20,24420,0454,23744,526
NONINTEREST INCOME
Deposit service charges and fees1,045(29)1,016913913
Other income15521466642174(117)57
BaaS program income12,01212,0127,6517,651
BaaS indemnification income75,03775,03734,07234,072
Noninterest income1,20087,04146688,7071,08741,723(117)42,693

Item 1. Condensed Consolidated Financial Statements (unaudited)

FAQ

What is Coastal Financial's community bank — service charges and fees?
Coastal Financial (CCB) reported community bank — service charges and fees of $1.05M in Q2 2026.
How has Coastal Financial's community bank — service charges and fees changed year-over-year?
Coastal Financial's community bank — service charges and fees increased by 14.5% year-over-year, from $913K to $1.05M.
What is the long-term trend for Coastal Financial's community bank — service charges and fees?
Over 4 years (2021 to 2025), Coastal Financial's community bank — service charges and fees has grown at a -1.4% compound annual growth rate (CAGR), from $3.7M to $3.49M.
What does community bank — service charges and fees mean?
Revenue generated from specific banking services provided to customers, such as account maintenance, overdrafts, and transaction processing fees. This represents a stable, non-interest income stream that diversifies the segment's revenue base.

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