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Coastal Financial CCB Reimbursement of expenses — Noninterest income

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%
Other income
$1.29M+85.8%
Other
$1.05M-0.3%
Merchant service fees
$495K+1.6%
Overdraft fees
$207K+4.5%
Loan referral fees
$0-100%

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$4.79M+4.8%
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$4.4M+2.3%
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CBNKGovernment lending revenue — Noninterest income
$1.21M-61.2%

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:RevenueFromContractWithCustomerIncludingAssessedTax.

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, 2026Three Months Ended / June 30, 2025Six Months Ended / June 30, 2026Six Months Ended / June 30, 2025
Noninterest income, excluding BaaS program income and BaaS indemnification income1,6589703,0442,528
Servicing and other BaaS fees2,9171,8965,5403,315
Transaction and interchange fees6,8365,10912,7098,942
Reimbursement of expenses2,2596464,6511,672
BaaS program income12,0127,65122,90013,929
BaaS credit enhancements70,72531,268121,46984,916
BaaS fraud enhancements4,3122,8047,3714,797
BaaS indemnification income75,03734,072128,84089,713

Item 1. Condensed Consolidated Financial Statements (unaudited)

FAQ

What is Coastal Financial's reimbursement of expenses — noninterest income?
Coastal Financial (CCB) reported reimbursement of expenses — noninterest income of $2.26M in Q2 2026.
How has Coastal Financial's reimbursement of expenses — noninterest income changed year-over-year?
Coastal Financial's reimbursement of expenses — noninterest income increased by 249.7% year-over-year, from $646K to $2.26M.
What is the long-term trend for Coastal Financial's reimbursement of expenses — noninterest income?
Over 2 years (2021 to 2025), Coastal Financial's reimbursement of expenses — noninterest income has grown at a 122.1% compound annual growth rate (CAGR), from $1M to $4.95M.
What does reimbursement of expenses — noninterest income mean?
This metric represents noninterest income derived from the recovery of costs incurred by the financial institution on behalf of third parties or clients. It reflects the company's ability to pass through operational expenses associated with specific service agreements or banking products. Monitoring this stream helps investors assess the efficiency of cost-recovery mechanisms within the institution's fee-based service segments.

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