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Coastal Financial CCB Overdraft fees — Revenue

Other product segments

BaaS credit enhancements
$70.73M+126%
Total Noninterest Income Subject to Topic 606
$34.34M+39.2%
Transaction and interchange fees
$6.84M+33.8%
BaaS fraud enhancements
$4.31M+53.8%
Servicing and other BaaS fees
$2.92M+53.9%
Reimbursement of expenses
$2.26M+250%
Other income
$1.29M+85.8%
Other
$1.05M-0.3%
Merchant service fees
$495K+1.6%
Loan referral fees
$0-100%

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TRSTOverdraft Fees — Revenue
$690K+3.4%
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JMSBOverdrawn Account Fees — Revenue
$17K-26.1%
Eagle Financial Services logo
EFSIOverdrawn Account Fees — Revenue
$419K+7.4%
BSR
BSRRReturned Item And Overdraft Fees — Revenue
$1.32M+6.3%
Dave, Inc. logo
DAVEProcessing And Overdraft Service Fees Net — Revenue
$144.93M+27.7%

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-53.7%
Enterprise value-$332.65M-140%
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:RevenueFromContractWithCustomerIncludingAssessedTax.

The source filing: Coastal Financial’s 10-K, filed February 27, 2026.

Filed
Feb 27, 2026, 3:40 PM EST
Fiscal year
FY2025
Accession
0001437958-26-000013
Line item202520242023
Service charges and fees
Interchange income$1,808$2,002$2,176
Merchant service fees495487498
Overdraft fees207198213
Other1,0481,051967
Loan referral fees168683
BaaS program income (1)29,49120,07513,240
Other income (2)1,286692323

Item 8. Financial Statements and Supplementary Data

FAQ

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.

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