COASTAL FINANCIAL CORP (CCB) FY2025 10-K Annual Report
COASTAL FINANCIAL CORP (CCB) 10-K annual report for fiscal year 2025, filed with SEC EDGAR on Feb 27, 2026. This page provides AI-powered analysis including business overview, management discussion & analysis (MD&A), risk factors, and key financial data such as revenue, net income, gross margin, operating margin, and return on equity (ROE) extracted from XBRL.
COASTAL FINANCIAL CORP FY2025 10-K Analysis
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
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
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
COASTAL FINANCIAL CORP FY2025 Key Financial MetricsXBRL
Revenue
$430M
▲ +8.3% YoY
Net Income
$47M
▲ +3.9% YoY
Net Margin
10.9%
▼ -46bp YoY
ROE
9.6%
▼ -74bp YoY
Total Assets
$4.7B
▲ +15.0% YoY
EPS (Diluted)
$3.06
▼ -6.1% YoY
Operating Cash Flow
$255M
▼ -2.0% YoY
Source: XBRL data from COASTAL FINANCIAL CORP FY2025 10-K filing on SEC EDGAR. All figures in USD.
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