CCB COASTAL FINANCIAL CORP

company

SEC Filings & Insider Trading Activity 2026

Business Overview

• • Core business model: Regional banking services focusing on deposit, lending, and equity compensation plans
• • New emphasis on equity compensation, with 118,881 options outstanding at $10.10 exercise price, 700,458 shares available for issuance
• • No change in control arrangements known to management reported, indicating stable governance structure
• • Proxy statement heavily referenced for governance, executive compensation, and related party transactions, showing increased reliance on shareholder communications
• • No disclosed new products or geographic expansions; filing emphasizes governance and compliance details for 2026 fiscal year

Risk Factors

• • Regulatory risk: potential enforcement actions under Bank Secrecy Act and anti-money laundering statutes
• • Macroeconomic threat: $1.29B commercial real estate loans (34.2% total portfolio) vulnerable to local Puget Sound market downturn
• • Operational risk: reliance on CCBX partners for $1.81B (48.1% total loans) originations exposes to partner credit and compliance failures
• • Market disruption: increasing competition in Banking-as-a-Service from institutions reducing third-party bank reliance
• • Credit risk: allowance for credit losses may be inadequate amid uncertain economic conditions and potential increased loan defaults

Management Discussion & Analysis

• • Revenue not explicitly stated, noninterest income $231.6M down 24.9% YoY from $308.2M, driven by lower BaaS indemnification income
• • Operating margin and net income not provided; effective tax rate rose to 23.3% in 2025 from 21.1% in 2024
• • Best segment: CCBX with $190.0M provision for credit losses on loans vs community bank negative provision of $(666)K; CCBX net charge-offs $196.8M vs community bank $27K
• • Noninterest expense $287.8M up 16.8%, driven by $15.8M salaries increase and $8.0M data processing; BaaS loan and fraud expense $137.1M up 6.8%
• • No direct cash flow data disclosed; capital allocation specifics on buybacks/dividends/capex not provided
• • Forward outlook risks: macroeconomic volatility, global conflicts, inflation, interest rate changes; management focusing on higher quality CCBX loans and technology investments

What are the latest CCB SEC filings in 2026?

COASTAL FINANCIAL CORP (CCB) has filed a 10-K annual report on February 27, 2026, a 10-Q quarterly report on May 8, 2026, an 8-K current report on July 30, 2026 with the SEC. SignalX tracks every new SEC EDGAR filing daily, including 10-K, 10-Q, 8-K, and Form 4 insider transactions, with AI-powered summaries of key sections.

When did CCB file its most recent 10-K annual report?

COASTAL FINANCIAL CORP (CCB) filed its most recent 10-K annual report on February 27, 2026. The 10-K includes audited financial statements, business overview, risk factors, and management discussion, all available on SignalX with AI-generated summaries and XBRL financial data.

How do I view CCB 10-Q quarterly reports?

COASTAL FINANCIAL CORP (CCB)'s most recent 10-Q quarterly report was filed on May 8, 2026. SignalX displays every CCB 10-Q with AI-generated summaries of the MD&A (Management Discussion & Analysis) and Risk Factors sections, plus links to the original SEC EDGAR document.

What 8-K current reports has CCB filed recently?

COASTAL FINANCIAL CORP (CCB)'s most recent 8-K was filed on July 30, 2026. 8-K filings disclose material corporate events such as earnings releases, executive changes, mergers, and other significant developments. SignalX surfaces each 8-K with item-level summaries so you can quickly see what happened.

Where can I find CCB insider trading activity (Form 4)?

SignalX aggregates every CCB Form 4 insider transaction from SEC EDGAR. Form 4 reports show when officers, directors, and 10% shareholders buy or sell company stock, with transaction code, share count, and price per share.

How often does CCB file with the SEC?

COASTAL FINANCIAL CORP (CCB) files a 10-K annual report once per year (typically within 60 days of fiscal year-end) and 10-Q quarterly reports three times per year. 8-K current reports are filed as needed when material events occur, and Form 4 insider transaction reports are due within two business days of a trade. SignalX monitors SEC EDGAR daily to surface every new CCB filing with AI-powered analysis.

What is the difference between 10-K, 10-Q, and 8-K SEC filings?

A 10-K is a comprehensive annual report with audited financials, business overview, and risk factors. A 10-Q is a shorter quarterly report with unaudited financials and management discussion. An 8-K is a current report filed when a material event occurs, such as earnings releases, executive changes, acquisitions, or other significant developments. SignalX provides AI-generated summaries for all three filing types for COASTAL FINANCIAL CORP (CCB).

What is CCB's SEC CIK number?

COASTAL FINANCIAL CORP (CCB)'s SEC CIK (Central Index Key) number is 1437958. The CIK is a unique identifier assigned by the SEC to every filing entity. You can use CIK 1437958 to look up all CCB filings on SEC EDGAR, or browse them here on SignalX with AI-powered analysis.

Where can I find CCB return on equity (ROE) and financial data?

SignalX extracts XBRL financial data from COASTAL FINANCIAL CORP (CCB) 10-K annual filings, including revenue, net income, gross profit, operating income, EPS, total assets, stockholders' equity, and operating cash flow. Return on equity (ROE) can be derived from net income divided by stockholders' equity. Multi-year financial trends are displayed in the Financial Summary table above.