CCB at a glance
COASTAL FINANCIAL CORP (CCB, SEC CIK 1437958) filed its latest 10-K annual report on February 27, 2026, a 10-Q quarterly report on August 7, 2026, an 8-K current report on September 28, 2026 and Form 4 insider filings as recently as October 1, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), COASTAL FINANCIAL CORP (CCB) reported revenue of $429.6 million (up 8.3% from FY2024) and net income of $47.0 million. Diluted EPS was $3.06.
- As of June 30, 2026, 28 institutional investment managers tracked by SignalX reported holding COASTAL FINANCIAL CORP (CCB) shares worth $321.5 million in 13F-HR filings.
- The most recent insider open-market purchase reported on Form 4 was by Adams Christopher D on August 7, 2026 of 290 shares at $45.15 per share.
- In the last 90 days, CCB insiders reported 4 open-market purchases ($1.1M) and 0 open-market sales ($0) on Form 4, a net purchase of $1.1M.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $429.6M
- +8.3% vs prior year
- Insiders · 90 days
- 4 buys · 0 sells
- Net +$1.1M
- 13F holders
- 28 funds
- $321.5M · −1 vs prior quarter
- Latest 8-K
- Sep 28, 2026
- Item 8.01
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
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
AI summary of the CCB 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Quarterly revenue not disclosed; net loss $42.1M vs net income $11.0M YoY
- Net interest income $89.4M vs $76.7M, up 16.4% YoY
- Net interest margin 7.27% vs 7.06%; CCBX yield 14.56% vs 16.22%
- CCBX best-performing segment; average loans $2.16B, up 28.2% YoY
- $68.8M CCBX credit expense; technology costs $8.8M higher amid growth and risk investments
Risk Factors
- Newly added risk: Significant stock-price decline and volatility following financial results for the period ended June 30, 2026
- Market risk: Broader industry and stock-market volatility may depress shares regardless of operating performance
- Regulatory risk: Potential securities investigations or class-action litigation could create substantial costs and divert management attention
- Operational risk: Stock-price volatility may reduce equity-compensation value, impairing employee recruitment and retention
- Financial risk: Sustained stock-price and market-capitalization decline could trigger impairment charges
AI summary of the CCB 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 8.01: Other Events
- Bluevine agreed to be acquired by Valley National Bancorp, subject to regulatory approval and customary closing conditions
- Approximately $447 million of Bluevine-related deposits were held at the Bank as of September 25, 2026
Item 7.01: Regulation FD Disclosure
- Investor presentation materials furnished under Regulation FD for meetings beginning July 30, 2026
- Exhibit 99.1 contains the company’s latest investor-facing information
Item 2.02: Results of Operations and Financial Condition
- Q2 2026 results cover the quarter ended June 30, 2026
- Press release furnished as Exhibit 99.1 contains operating and financial results
AI summaries of CCB 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for CCB
Don't miss the next CCB filing
- Alerts as it files. A push when CCB files an 8-K or an insider trades.
- Fund moves. Which tracked funds opened, added or cut CCB, by share count.
- Ask anything. An AI agent that reads every CCB filing and answers with sources.
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Hamilton Brian T | F | Oct 1, 2026 | 233 | $39.46 |
| Hamilton Brian T | F | Sep 1, 2026 | 232 | $46.85 |
| Adams Christopher D | Buy | Aug 7, 2026 | 290 | $45.15 |
| HOVDE STEVEN D | Buy | Aug 6, 2026 | 10,000 | $43.83 |
| Sprink Eric M | Buy | Aug 6, 2026 | 10,000 | $44.45 |
| HOVDE STEVEN D | Buy | Aug 5, 2026 | 5,000 | $44.00 |
| Rivas Freddy I | F | Aug 3, 2026 | 166 | $41.80 |
| Hamilton Brian T | F | Aug 3, 2026 | 226 | $41.80 |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | $330.4M | $396.8M | $429.6M |
| Net Income | $44.6M | $45.2M | $47.0M |
| Net Margin | 13.5% | 11.4% | 10.9% |
| Balance Sheet | |||
| Total Assets | $3.8B | $4.1B | $4.7B |
| Equity | $295.0M | $438.7M | $491.0M |
| ROE | 15.1% | 10.3% | 9.6% |
| Per Share | |||
| EPS | - | $3.26 | $3.06 |
| Cash Flow | |||
| Operating CF | $196.5M | $259.8M | $254.6M |
| CapEx | $6.2M | $9.9M | $8.4M |
Source: XBRL data in COASTAL FINANCIAL CORP (CCB)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate CCB share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 28 | $321.5M |
| Q1 2026 | 29 | $311.1M |
| Q4 2025 | 25 | $451.4M |
| Q3 2025 | 26 | $425.3M |
| Q2 2025 | 26 | $357.4M |
| Q1 2025 | 23 | $251.5M |
| Q4 2024 | 18 | $163.6M |
| Q3 2024 | 16 | $63.3M |
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- D.E. Shaw & Co+47.6K
Source: 13F-HR filings on SEC EDGAR (aggregated from 191 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
CCB filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Oct 1, 2026 | - | - | - |
| 8-K | Sep 28, 2026 | - | Analysis | - |
| 4 | Sep 1, 2026 | - | - | - |
| 4 | Aug 7, 2026 | - | - | - |
| 4 | Aug 7, 2026 | - | - | - |
| 10-Q | Aug 7, 2026 | Jun 30, 2026 | Analysis | |
| 4 | Aug 7, 2026 | - | - | - |
| 4 | Aug 4, 2026 | - | - | - |
| 4 | Aug 4, 2026 | - | - | - |
| 8-K | Jul 30, 2026 | - | Analysis | - |
| 8-K | Jul 30, 2026 | - | Analysis | - |
| 8-K | Jul 30, 2026 | - | Analysis | - |
| 8-K | Jul 23, 2026 | - | Analysis | - |
| 8-K | Jul 23, 2026 | - | Analysis | - |
| 4 | Jul 1, 2026 | - | - | - |
| 4 | Jun 2, 2026 | - | - | |
| 8-K | May 29, 2026 | - | Analysis | |
| 4 | May 28, 2026 | - | - | |
| 4 | May 28, 2026 | - | - | |
| 4 | May 28, 2026 | - | - | |
| 4 | May 28, 2026 | - | - | |
| 4 | May 28, 2026 | - | - | |
| 4 | May 28, 2026 | - | - | |
| 4 | May 28, 2026 | - | - | |
| 4 | May 28, 2026 | - | - |
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CCB SEC filings: frequently asked questions
Are CCB insiders buying or selling?
In the last 90 days, COASTAL FINANCIAL CORP (CCB) officers, directors and 10% owners reported 4 open-market purchases worth $1.1 million by 3 insiders and no open-market sales on Form 4. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold CCB stock?
As of June 30, 2026, the largest COASTAL FINANCIAL CORP (CCB) holders among the 13F filers tracked by SignalX were BlackRock ($85.4 million), State Street Corp ($45.2 million), Vanguard Capital Management LLC ($44.5 million), FMR LLC (Fidelity) ($29.4 million), Dimensional Fund Advisors ($28.9 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was CCB's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), COASTAL FINANCIAL CORP (CCB) reported revenue of $429.6 million (up 8.3% from FY2024) and net income of $47.0 million. Diluted EPS was $3.06. The figures come from the XBRL data in the 10-K.
What are the main risks in CCB's latest 10-K?
In the 10-K filed February 27, 2026, COASTAL FINANCIAL CORP (CCB) flagged: 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. (AI summary of the Risk Factors section.)
What did CCB report in its latest 8-K?
COASTAL FINANCIAL CORP (CCB) filed an 8-K on September 28, 2026 reporting Item 8.01 (Other Events). Bluevine agreed to be acquired by Valley National Bancorp, subject to regulatory approval and customary closing conditions.
What are the latest CCB SEC filings?
COASTAL FINANCIAL CORP (CCB) filed its latest 10-K annual report on February 27, 2026, a 10-Q quarterly report on August 7, 2026, an 8-K current report on September 28, 2026 and a Form 4 insider filing on October 1, 2026.
What is CCB's SEC CIK number?
COASTAL FINANCIAL CORP (CCB)'s SEC Central Index Key (CIK) is 1437958. EDGAR lists every CCB filing under that number.
Ask anything about CCB
The research agent reads CCB's filings, financials, insider trades and 13F holders, then answers with sources.