Coastal Financial(NASDAQ) CCB

Coastal Financial helps small businesses and families in Washington manage their money. It also lets technology companies offer banking services through a digital platform. These tools make it easier for people to save, borrow, and spend every day.

Banking in Person and Online

• Community Banking: Provides traditional loans, savings, and checking accounts to individuals and businesses in the Puget Sound region.
• Banking as a Service: Enables digital financial partners to offer branded banking tools like deposits and loans to their own customers.
• Commercial Lending: Offers term loans, lines of credit, and equipment financing to small and medium-sized businesses.
• Real Estate Loans: Delivers mortgages for apartment buildings, construction projects, and commercial properties.
• Consumer Products: Supplies credit cards, installment loans, and mobile banking services through digital partnerships.

Strategic Moves and Partnerships

• Acquired the assets of GreenFi during the quarter ended December 31, 2025.
• Expanded the Banking as a Service segment to 28 active partnerships by the end of 2025.
• Maintains a signed letter of intent for one additional digital partnership as of late 2025.

What Makes Coastal Different?

Coastal Financial combines local branch banking with a national digital platform called CCBX. This hybrid model allows the company to reach customers across the United States while maintaining strong ties to its Washington market.

A Look at the Numbers

• Net income reached $12 million in Q1 2026, up 23.5% from the same period in 2025.
• Total assets grew to $4.74 billion by the end of December 2025.
• Operating cash flow reached $57.8 million for the fiscal year ending December 31, 2025.
• Total deposits stood at $4.14 billion as of December 31, 2025.
• Market capitalization was $1.2 billion in Q1 2026, a 15% decrease from the previous year.

Evolution and Outlook

Coastal Financial has transitioned from a local community lender into a hybrid financial institution serving both local residents and national tech firms. Its dual-track strategy helps diversify income sources and expands its reach beyond traditional physical branch locations.