COASTAL FINANCIAL CORP (CCB) Financial Statements — Income, Balance Sheet, Cash Flow

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Financial Statements — CCB

Balance Sheet

(in billions USD)

Metric	Q1 2026	Q3 2025	Q2 2025	Q1 2025	Q3 2024	Q2 2024	Q1 2024	Q3 2023	Q2 2023	Q1 2023	Q3 2022	Q2 2022	Q1 2022	Q3 2021	Q2 2021	Q1 2021
Cash & Equivalents	1.50	0.64	0.72	0.62	0.48	0.49	0.52	0.47	0.28	0.39	0.04	0.04	0.03	0.03	0.03	0.02
Total Assets	5.66	4.55	4.48	4.34	4.07	3.96	3.87	3.68	3.54	3.45	3.13	2.97	2.83	2.45	2.01	2.03
Total Deposits	5.04	3.97	3.91	3.79	3.63	3.54	3.46	3.29	3.16	3.10	2.84	2.70	2.58	2.22	1.80	1.67
Total Liabilities	5.16	4.08	4.02	3.89	3.73	3.64	3.56	3.39	3.26	3.19	2.91	2.75	2.63	2.29	1.85	1.88
Retained Earnings	0.27	0.24	0.23	0.22	0.20	0.18	0.17	0.16	0.15	0.13	0.11	0.10	0.09	0.07	0.07	0.06
Total Stockholder Equity	0.50	0.48	0.46	0.45	0.33	0.32	0.30	0.28	0.27	0.26	0.23	0.22	0.21	0.16	0.15	0.15

Income Statement

(in millions USD) (except per-share rows)

Metric	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022	Q1 2022	Q4 2021	Q3 2021	Q2 2021
Interest & Dividend Income	111.68	107.89	109.03	107.80	104.91	103.74	105.08	97.49	90.47	88.24	88.33	83.69	70.11	65.03	55.18	41.82	30.14	25.55	19.61	19.57
Interest Expense	28.32	--	31.13	31.06	28.85	--	32.89	31.25	29.54	28.59	26.10	21.34	15.62	11.60	5.99	1.93	0.87	0.84	0.80	0.96
Net Interest Income	83.36	79.36	77.90	76.74	76.06	73.67	72.19	66.24	60.94	59.66	62.23	62.35	54.49	53.43	49.19	39.89	29.27	24.70	18.81	18.61
Provision for Credit Losses	51.40	48.04	56.60	32.21	55.78	62.67	71.58	61.89	79.52	60.74	27.16	52.60	43.54	33.60	18.43	14.09	12.94	8.94	0.26	0.36
Non-interest Income	66.08	58.66	66.78	42.69	63.48	71.26	80.07	69.92	86.96	64.69	34.58	58.60	49.31	42.82	34.39	25.49	21.99	14.22	6.13	4.78
Non-interest Expense	83.45	72.80	70.17	72.83	71.99	65.87	65.62	58.81	56.02	51.70	56.50	51.91	44.66	47.10	51.09	38.17	30.42	21.05	16.13	13.73
Pretax Income	14.58	17.18	17.91	14.39	11.77	17.20	16.38	15.02	8.72	11.86	13.05	16.78	15.44	15.54	14.07	13.12	7.90	8.93	8.55	9.30
Tax Provision	2.57	4.54	4.32	3.36	2.04	3.83	2.93	3.43	1.92	2.85	2.78	3.88	3.05	2.43	2.96	2.94	1.67	1.64	1.87	2.29
Net Income	12.02	12.64	13.59	11.03	9.73	13.37	13.46	11.60	6.80	9.01	10.27	12.91	12.39	13.12	11.10	10.18	6.23	7.29	6.68	7.01
Basic EPS	0.79	0.84	0.90	0.73	0.65	0.98	1.00	0.86	0.51	0.68	0.77	0.97	0.94	1.01	0.86	0.79	0.48	0.60	0.56	0.59
Diluted EPS	0.78	0.84	0.88	0.71	0.63	0.95	0.97	0.84	0.50	0.66	0.75	0.95	0.91	0.97	0.82	0.76	0.46	0.58	0.54	0.56

Cash Flow Statement

(in millions USD)

Metric	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022	Q1 2022	Q4 2021	Q3 2021	Q2 2021
Operating Cash Flow	75.97	57.82	59.04	66.04	71.68	61.97	63.36	72.55	61.90	50.28	65.12	34.48	46.63	25.07	21.21	12.83	7.98	11.44	10.01	(0.04)
Capital Expenditures	1.84	1.93	1.67	2.08	2.76	3.03	2.47	2.62	1.79	2.33	2.25	1.39	0.28	0.22	0.29	1.03	1.30	0.41	0.39	1.29
Free Cash Flow*	74.13	55.89	57.38	63.96	68.92	58.95	60.90	69.93	60.11	47.95	62.87	33.10	46.35	24.86	20.92	11.80	6.68	11.03	9.62	(1.33)
Investing Cash Flow	(213.22)	(133.76)	(195.46)	(91.69)	(104.73)	(143.45)	(151.14)	(181.17)	(132.80)	(112.78)	7.63	(220.71)	(273.12)	(520.32)	(164.27)	(125.69)	(177.66)	(201.37)	(445.91)	19.06
Financing Cash Flow	895.75	170.66	58.92	121.11	204.84	49.97	84.56	80.74	102.90	70.68	127.14	67.37	278.27	1.24	139.79	120.90	187.89	172.71	436.16	(4.39)

* Derived from reported values