CCB COASTAL FINANCIAL CORP
FY2025 10-K
COASTAL FINANCIAL CORP (CCB) filed its fiscal year 2025 10-K annual report with the SEC on Feb 27, 2026. This page provides AI-powered analysis of the filing, including business overview, management discussion, risk factors, and key financial metrics from XBRL data.
AI Filing AnalysisFY2025 10-K
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
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