10-Q quarterly report · filed Nov 7, 2025

COASTAL FINANCIAL CORP (CCB) Q3 2025 10-Q Quarterly Report

Short answer

COASTAL FINANCIAL CORP (CCB) filed its Q3 2025 10-Q quarterly report on Nov 7, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $109M (up 3.8% year over year) with net income of $14M.

Q3 2025 key financials · XBRL

Revenue
$109M
+3.8% YoY · +1.1% QoQ
Net income
$14M
+1.0% YoY · +23.2% QoQ
EPS (diluted)
$0.88
−10.2% YoY · +20.5% QoQ

Source: XBRL data from the COASTAL FINANCIAL CORP (CCB) Q3 2025 10-Q on SEC EDGAR. USD.

COASTAL FINANCIAL CORP Q3 2025 10-Q analysis

AI summary of MD&A and risk factor updates

Management Discussion & Analysis

  • Net income $13.6M vs $13.5M YoY; net interest income $77.9M vs $72.3M
  • Net interest margin 7.00% vs 7.42% YoY; CCBX margin 8.88% vs 9.65%
  • Best segment CCBX: average loans $1.76B, up 13.7%; net interest income $53.1M vs $49.7M
  • Loans $3.70B, up $163.5M sequentially; CCBX loans up $123.9M despite $1.62B sold
  • Cash $642.3M; borrowing capacity $657.1M; deposits $3.97B, up $59.0M sequentially
  • Outlook: six partner programs expanding; Robinhood deposit program expected to ramp in fourth quarter 2025

Risk Factors

  • No material risk-factor changes as of September 30, 2025 versus December 31, 2024 10-K
  • Carried-forward risks remain the principal risk disclosures for the quarter
  • No newly triggered regulatory, legal, compliance, operational, competitive, market, or financial risks identified

Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K

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