Coastal Financial CCB Business Segments
| FY'25 | FY'24 | FY'23 | FY'22 | ||
|---|---|---|---|---|---|
| NET INCOME by Business | |||||
| CCBX | $30.31M+23.6% | $24.52M-2.9% | $25.26M+37.5% | $18.37M+568% | |
| Community Bank | $31.17M-13.3% | $35.97M+2.1% | $35.22M-11.6% | $39.82M+64.2% | |
| Treasury & Administration | -$14.49M+5.1% | -$15.27M+4.0% | -$15.9M+9.5% | -$17.57M— | |
| Total Interest Income by Business | |||||
| CCBX | $274.61M+10.6% | $248.29M+25.8% | $197.31M+91.9% | $102.81M+1,474% | |
| Community Bank | $122.96M-0.6% | $123.73M+15.7% | $106.98M+32.8% | $80.54M+5.2% | |
| Treasury & Administration | $32.05M+29.5% | $24.76M+30.8% | $18.93M+115% | $8.82M— | |
| Noninterest Income by Business | |||||
| CCBX | $226.43M-25.2% | $302.87M+52.5% | $198.65M+69.0% | $117.54M+575% | |
| Community Bank | $4.1M-7.8% | $4.44M-10.7% | $4.97M-3.7% | $5.17M-51.8% | |
| Treasury & Administration | $1.08M+21.3% | $893K+71.1% | $522K+122% | $235K— | |
| Other income by Business | |||||
| CCBX | $1.21M+1,508% | $75K-82.8% | $435K+22.2% | $356K+263% | |
| Community Bank | $603K-19.7% | $751K-35.4% | $1.16M-17.6% | $1.41M-79.9% | |
| Treasury & Administration | $1.08M+21.3% | $893K+71.1% | $522K+123% | $234K— | |
| Income before provision for income taxes by Business | |||||
| CCBX | $41.06M+26.4% | $32.47M+0.3% | $32.38M+43.1% | $22.62M+550% | |
| Community Bank | $39.11M-12.8% | $44.83M-0.6% | $45.11M-9.5% | $49.87M+61.4% | |
| Treasury & Administration | -$18.92M+5.3% | -$19.99M+1.8% | -$20.36M+6.9% | -$21.87M— | |
| Noninterest Expense by Business | |||||
| CCBX | $203.41M+15.6% | $175.89M+37.3% | $128.12M+19.3% | $107.38M+817% | |
| Community Bank | $47.86M+30.9% | $36.56M-3.7% | $37.98M+15.0% | $33.02M-35.9% | |
| Treasury & Administration | $36.53M+7.9% | $33.86M+18.9% | $28.48M+15.6% | $24.63M— | |
| Interest Income (Expense), Operating by Business | |||||
| CCBX | $211.17M+14.5% | $184.47M+27.5% | $144.73M+59.4% | $90.81M+1,312% | |
| Community Bank | $82.36M+9.0% | $75.57M-4.6% | $79.23M+1.0% | $78.44M+7.5% | |
| Treasury & Administration | $16.53M+27.3% | $12.98M+70.4% | $7.62M— | —— | |
| Net interest income after provision for credit losses - loans and unfunded commitments by Business | |||||
| CCBX | $18.04M+119% | -$94.51M-148% | -$38.15M-406% | $12.46M+665% | |
| Community Bank | $82.87M+7.7% | $76.95M-1.5% | $78.11M+0.5% | $77.73M+8.4% | |
| Treasury & Administration | $16.53M+27.3% | $12.98M+70.4% | $7.62M+202% | $2.53M— | |
| Total Assets by Business | |||||
| CCBX | $9.71B+15.5% | $8.41B+20.6% | $6.97B+87.2% | $3.72B— | |
| Community Bank | $7.63B0.0% | $7.63B+8.3% | $7.05B-13.4% | $8.14B— | |
| Treasury & Administration | $775.42M+3,274% | -$24.43M-106% | $397.49M— | —— | |
| Service charges and fees by Business | |||||
| CCBX | $64K+36.2% | $47K+9.3% | $43K-8.5% | $47K— | |
| Community Bank | $3.49M-5.3% | $3.69M-3.1% | $3.81M+1.4% | $3.76M+1.6% | |
| Treasury & Administration | $0— | $0— | $0— | $0— | |
| Total interest expense by Business | |||||
| CCBX | $90.11M-4.2% | $94.04M+31.2% | $71.65M+345% | $16.11M+16,171% | |
| Community Bank | $26.81M-0.3% | $26.9M+55.0% | $17.35M+499% | $2.9M-18.4% | |
| Treasury & Administration | $2.64M-6.4% | $2.82M+6.5% | $2.64M+90.1% | $1.39M— | |
| PROVISION FOR INCOME TAXES by Business | |||||
| CCBX | $10.75M+35.2% | $7.95M+11.7% | $7.12M+67.3% | $4.25M+480% | |
| Community Bank | $7.94M-10.5% | $8.87M-10.4% | $9.9M-1.5% | $10.05M+51.4% | |
| Treasury & Administration | -$4.43M+6.1% | -$4.72M-5.8% | -$4.46M-3.6% | -$4.31M— | |
| Other expenses by Business | |||||
| CCBX | $6.93M+46.7% | $4.73M— | —— | $1.29M-23.8% | |
| Community Bank | $6.38M+65.9% | $3.85M-2.8% | $3.95M-24.0% | $5.2M-33.2% | |
| Treasury & Administration | $3.85M-14.9% | $4.53M-12.3% | $5.17M-8.7% | $5.66M— | |
| Other Borrowings by Business | |||||
| CCBX | $0— | $0— | $0— | —— | |
| Community Bank | $0— | $0— | $0— | —— | |
| Treasury & Administration | $191.92M+0.3% | $191.31M+0.3% | $190.71M— | —— | |
| Noninterest income by Business | |||||
| BaaS indemnification income | $195.67M-30.8% | $282.67M+52.9% | $184.93M+74.6% | $105.95M— | |
| BaaS program income | $29.49M+46.9% | $20.07M+51.6% | $13.24M+18.3% | $11.19M+66.7% | |
| Loans receivable by Business | |||||
| CCBX | $6.94B+18.6% | $5.86B+21.1% | $4.83B— | —— | |
| Community Bank | $7.57B-0.1% | $7.58B+8.2% | $7B— | —— | |
| Treasury & Administration | $0— | $0— | $0— | —— | |
| Gross loans receivable by Business | |||||
| CCBX | $6.95B+18.6% | $5.86B+21.1% | $4.84B— | —— | |
| Community Bank | $7.59B-0.1% | $7.6B+8.2% | $7.03B— | —— | |
| Data processing and software licenses by Business | |||||
| CCBX | $13.52M+224% | $4.17M+79.8% | $2.32M+28.6% | $1.81M+309% | |
| Community Bank | $6.06M+27.8% | $4.74M+3.1% | $4.59M+39.8% | $3.29M-27.1% | |
| Treasury & Administration | $3.29M-45.0% | $5.97M+145% | $2.43M+41.0% | $1.73M— | |
| Liabilities by Business | |||||
| CCBX | $9.71B+15.5% | $8.41B+20.6% | $6.97B— | —— | |
| Community Bank | $7.63B0.0% | $7.63B+8.3% | $7.05B— | —— | |
| Treasury & Administration | -$1.1B+22.1% | -$1.42B-98.4% | -$713.37M— | —— | |
| Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest by Business | |||||
| CCBX | $616.8M+11.5% | $552.94M+65.5% | $334.08M— | —— | |
| Community Bank | $74.51M-8.6% | $81.49M-3.3% | $84.27M— | —— | |
| Treasury & Administration | $0— | $0— | $0— | —— | |
| Other assets by Business | |||||
| CCBX | $869.17M+15.9% | $749.62M+52.3% | $492.07M— | —— | |
| Community Bank | $115.29M-1.0% | $116.49M+2.2% | $113.97M— | —— | |
| Treasury & Administration | $185.38M-1.2% | $187.63M-5.7% | $199.02M— | —— | |
| Interest (expense) income intrabank transfer by Business | |||||
| CCBX | $26.67M-11.7% | $30.22M+58.5% | $19.07M+364% | $4.11M— | |
| Community Bank | -$13.79M+35.2% | -$21.27M-104% | -$10.4M-1,293% | $872K— | |
| Treasury & Administration | -$12.89M-43.9% | -$8.96M-3.3% | -$8.67M-76.8% | -$4.9M— | |
| Salaries and employee benefits by Business | |||||
| CCBX | $35.73M+23.6% | $28.91M+14.9% | $25.16M+39.7% | $18.01M+297% | |
| Community Bank | $30.75M+25.9% | $24.43M+1.3% | $24.1M+17.7% | $20.48M-37.1% | |
| Treasury & Administration | $19.35M+16.3% | $16.63M-3.3% | $17.2M+25.1% | $13.75M— | |
| Intrabank assets by Business | |||||
| CCBX | $2.29B0.0% | $2.29B+21.9% | $1.87B— | —— | |
| Community Bank | $0— | $0— | $0— | —— | |
| Treasury & Administration | -$2.29B0.0% | -$2.29B-21.9% | -$1.87B— | —— | |
| Deposits by Business | |||||
| CCBX | $9.56B+15.8% | $8.25B+20.8% | $6.83B+53.6% | $4.45B— | |
| Community Bank | $6.26B+5.0% | $5.96B-1.8% | $6.08B-6.3% | $6.48B— | |
| Treasury & Administration | $0— | $0— | $0— | —— | |
| Loans held for sale by Business | |||||
| CCBX | $216.72M+648% | $28.96M-54.2% | $63.22M— | —— | |
| Community Bank | $0— | $0— | $0— | —— | |
| Treasury & Administration | $0— | $0— | $0— | —— | |
| Intrabank liabilities by Business | |||||
| CCBX | $0— | $0— | $0— | —— | |
| Community Bank | $1.34B-17.6% | $1.63B+72.7% | $943.81M— | —— | |
| Treasury & Administration | -$1.34B+17.6% | -$1.63B-72.7% | -$943.81M— | —— | |
| Occupancy by Business | |||||
| CCBX | $406K+18.4% | $343K+6.9% | $321K+24.9% | $257K+189% | |
| Community Bank | $3.29M-4.0% | $3.42M-8.5% | $3.74M-2.6% | $3.84M-4.9% | |
| Treasury & Administration | $301K-54.3% | $659K— | —— | $119K— | |
| Other liabilities by Business | |||||
| CCBX | $150.74M-2.2% | $154.11M+11.5% | $138.17M— | —— | |
| Community Bank | $23.22M-34.5% | $35.45M+30.1% | $27.26M— | —— | |
| Treasury & Administration | $49.05M+114% | $22.9M-42.4% | $39.74M— | —— | |
| Investment securities by Business | |||||
| CCBX | $0— | $0— | $0— | —— | |
| Community Bank | $0— | $0— | $0— | —— | |
| Treasury & Administration | $184.76M-5.4% | $195.24M-61.3% | $504.29M— | —— | |
| Legal and professional expenses by Business | |||||
| CCBX | $9.72M+3.7% | $9.37M-2.8% | $9.64M+205% | $3.16M+560% | |
| Community Bank | $1.38M+1,043% | $121K-92.3% | $1.58M+642% | $213K-92.0% | |
| Treasury & Administration | $9.75M+60.7% | $6.07M+69.6% | $3.58M+5.7% | $3.38M— | |
| PROVISION FOR CREDIT LOSSES by Business | |||||
| CCBX | $193.14M-30.8% | $278.98M+52.5% | $182.88M— | —— | |
| Community Bank | -$504K+63.3% | -$1.37M-224% | $1.11M— | —— | |
| Treasury & Administration | $0— | $0— | $0— | —— | |
| Loans individually evaluted for credit losses by Business | |||||
| Business Assets | $4.66M— | —— | $22K— | —— | |
| Real Estate | $13.21M— | —— | $29M— | —— | |
| Average Loan Balance by Business | |||||
| CCBX | $1.4K-22.2% | $1.8K— | —— | —— | |
| Revenue by Product | |||||
| BaaS program income | $29.49M+46.9% | $20.07M+51.6% | $13.24M+18.3% | $11.19M+66.7% | |
| Loan referral fees | $0-100% | $168K-75.4% | $683K-15.7% | $810K-61.9% | |
| Merchant service fees | $495K+1.6% | $487K-2.2% | $498K-2.0% | $508K-10.6% | |
| Other income | $1.29M+85.8% | $692K+114% | $323K-46.4% | $603K-54.1% | |
| Other | $1.05M-0.3% | $1.05M+8.7% | $967K+3.9% | $931K+8.9% | |
| Overdraft fees | $207K+4.5% | $198K-7.0% | $213K-31.3% | $310K-1.9% | |
| Total Noninterest Income Subject to Topic 606 | $34.34M+39.2% | $24.67M+36.3% | $18.1M+10.3% | $16.41M+18.5% | |
| Revenue not from contract with customer by Product | |||||
| BaaS enhancements / guarantees | $225.16M-25.6% | $302.75M+52.8% | $198.17M+69.2% | $117.14M+577% | |
| Earnings on life insurance | $515K+6.0% | $486K+163% | $185K-48.8% | $361K+110% | |
| Gain (loss) on equity investment | -$414K-1,633% | $27K-90.3% | $279K+282% | -$153K-110% | |
| Gain on sale of loans, net | $0— | $0-100% | $253K— | $0-100% | |
| Lease and sublease income | $180K-11.8% | $204K-0.5% | $205K+30.6% | $157K+24.6% | |
| Loan servicing fees | $117K-17.6% | $142K-17.0% | $171K-23.3% | $223K-10.1% | |
| Sweep fee income | $1.21M— | $0— | $0— | —— | |
| Total Noninterest Income Not Subject to Topic 606 | $197.27M-30.4% | $283.53M+52.4% | $186.02M+74.6% | $106.53M+647% | |
| Noninterest income by Product | |||||
| BaaS credit enhancements | $187.65M-31.2% | $272.84M+53.5% | $177.76M+133% | $76.37M— | |
| BaaS fraud enhancements | $8.01M-18.5% | $9.83M+37.3% | $7.17M-75.8% | $29.57M— | |
| Reimbursement of expenses | $4.95M+99.0% | $2.49M— | —— | —— | |
| Servicing and other BaaS fees | $5.8M+22.2% | $4.74M+23.0% | $3.86M-12.5% | $4.41M-1.9% | |
| Transaction and interchange fees | $18.74M+45.9% | $12.84M+55.4% | $8.26M+157% | $3.21M+490% | |
| Increase (decrease) in revenue from contracts with customer by Product | |||||
| Servicing and other BaaS fees | $1.05M+18.5% | $888K+261% | -$553K-837% | -$59K-102% | |
| Transaction and interchange fees | $5.9M+28.8% | $4.58M+472% | $800K-70.0% | $2.67M— | |
| BaaS loan and fraud expense by Product | |||||
| BaaS fraud expense | $8.01M-18.5% | $9.83M+37.3% | $7.17M-75.8% | $29.57M— | |
| BaaS loan expense | $129.09M+8.9% | $118.54M+48.6% | $79.75M+49.6% | $53.29M+1,691% |
Chart any of these lines over time, or line them up against competitors.
Compare these in charts →Questions, answered.
- How does Coastal Financial break its business down?
- Coastal Financial (CCB) reports net income by business across 3 parts — CCBX, Community Bank and Treasury & Administration. Each is extracted from the segment footnotes and tracked over time.
- Where does Coastal Financial's segment data come from?
- Segment breakdowns are pulled from the segment footnotes in Coastal Financial's SEC filings (the XBRL dimensional tags), so every line ties back to a reported figure. Switch between quarterly, annual, and TTM, or open any segment for its full history.
