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Coastal Financial CCB Net Interest Income (After Provisions)

Net Interest Income (After Provisions) at other companies

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Segments

By segment

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CCBX-$32.31M-261%
Community Bank$25.24M+24.7%
Treasury & Administration$4.28M+1.1%

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:InterestIncomeExpenseAfterProvisionForLoanLoss.

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
Total interest expense29,18731,06057,51159,905
Net interest income89,36776,737172,724152,799
PROVISION FOR CREDIT LOSSES92,15732,211143,55587,992
Net interest income (expense) after provision for credit losses(2,790)44,52629,16964,807
NONINTEREST INCOME
Service charges and fees1,0169131,8661,773
Unrealized gain (loss) on equity securities, net(25)(439)101(423)
Other income6674961,0771,178

Item 1. Condensed Consolidated Financial Statements (unaudited)

FAQ

What is Coastal Financial's net interest income (after provisions)?
Coastal Financial (CCB) reported net interest income (after provisions) of -$2.79M in Q2 2026.
How has Coastal Financial's net interest income (after provisions) changed year-over-year?
Coastal Financial's net interest income (after provisions) decreased by 106.3% year-over-year, from $44.53M to -$2.79M.
What is the long-term trend for Coastal Financial's net interest income (after provisions)?
Over 3 years (2021 to 2025), Coastal Financial's net interest income (after provisions) has grown at a 19.1% compound annual growth rate (CAGR), from $69.52M to $117.43M.
What does net interest income (after provisions) mean?
Net interest income adjusted for the provision for credit losses, representing the net revenue available after accounting for expected loan defaults. This metric provides a more accurate picture of the bank's true profitability by incorporating the cost of credit risk. It helps investors understand the quality of the bank's earnings relative to its lending risk.

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