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Coastal Financial CCB Overdraft fees — Revenue

Other product segments

BaaS credit enhancements
$50.74M-5.4%
Total Noninterest Income Subject to Topic 606
$34.34M+39.2%
BaaS program income
$8.37M+50.6%
Transaction and interchange fees
$5.87M+53.2%
BaaS fraud enhancements
$3.06M+53.5%
Servicing and other BaaS fees
$2.62M+84.8%
Reimbursement of expenses
$2.39M+133%
Other income
$1.29M+85.8%
Other
$1.05M-0.3%
Merchant service fees
$495K+1.6%
Loan referral fees
$0-100%

Similar metrics at other companies

Trustco Bank Corp logo
TRSTOverdraft Fees — Revenue
$681K+0.1%
Independent Bank Corporation logo
IBCPOverdraft fees — Revenue from contracts with customers
$2.1M-0.5%
Peapack-Gladstone Financial logo
PGCBanking — Overdraft Fees Revenue
$97K-8.5%
WSFS Financial logo
WSFSReturn and overdraft fees — Revenue from Contract with Customer, Including Assessed Tax
$1.98M+7.8%
BOK Financial logo
BOKFOverdraft fee revenue — Fees and commissions revenue from contracts with customers
$5.86M+9.2%
BOK Financial logo
BOKFOverdraft fee revenue — Revenue Not from Contract with Customer
$0—

Other financials

Income statement

See full
Revenue$149.4M+7.1%
Net income$12.0M+23.5%
EPS (diluted)$0.78+23.8%

Balance sheet

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Cash & equivalents$1.5B+140%
Total debt$4.8M-9.3%
Total equity$503.8M+12.0%
Total assets$5.7B+30.5%

Cash flow

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Operating cash flow$76.0M+6.0%
CapEx$1.8M-33.3%
Free cash flow$74.1M+7.6%

Valuation

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Market cap$1.14B-11.7%
Enterprise value-$348.99M-152%
P/E23.2×-3.7×
P/S2.1×-0.2×

Profitability

See full
Net margin8.9%+0.5pp
FCF margin45.6%-0.5pp

Returns & leverage

See full
Return on equity10.3%-2.4pp
Debt / equity0×0.0×

Where this comes from

Reported directly by Coastal Financial in its filing.

Tagged under the XBRL concept us-gaap:RevenueFromContractWithCustomerIncludingAssessedTax.

The official record: Coastal Financial’s 10-K, filed February 27, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Coastal Financial's overdraft fees — revenue?
Coastal Financial (CCB) reported overdraft fees — revenue of $51.75K in Q4 2025.
How has Coastal Financial's overdraft fees — revenue changed year-over-year?
Coastal Financial's overdraft fees — revenue increased by 4.5% year-over-year, from $49.5K to $51.75K.
What is the long-term trend for Coastal Financial's overdraft fees — revenue?
Over 4 years (2021 to 2025), Coastal Financial's overdraft fees — revenue has grown at a -10.0% compound annual growth rate (CAGR), from $316K to $207K.
What does overdraft fees — revenue mean?
This metric represents the total revenue generated from fees charged to customers when their deposit account balance is insufficient to cover a transaction. It serves as a component of non-interest income derived from retail and business banking services. Monitoring this revenue stream provides insight into the bank's fee-based income strategy and the impact of regulatory or policy changes on consumer banking behavior.