Coastal Community Bank
Total assets
$5.45B
▲ +21.8% YoY
Deposits
$4.90B
▲ +23.9% YoY
Loans
$4.10B
▲ +19.4% YoY
Offices
14
COASTAL FINANCIAL CORP
ROA (annualized)
-1.10%
peers 1.26%
ROE (annualized)
-11.91%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | Coastal Community Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +21.8% | +5.5% | +16.3 pts |
| Deposit growth (YoY) | +23.9% | +5.1% | +18.8 pts |
| Loan growth (YoY) | +19.4% | +5.9% | +13.5 pts |
| ROA | -1.10% | 1.26% | -2.4 pts |
| ROE | -11.9% | 12.2% | -24.1 pts |
ROA ranks in the 0th percentile of its peer group · Q2 2026
Profile
- Established
- 1997
- Charter
- State
- Primary regulator
- FED
- Holding company
- COASTAL FINANCIAL CORP
- Specialization
- Commercial Lending Specialization
- Address
- 5415 Evergreen Way, Everett, WA, 98203
- County
- Snohomish
- Metro area
- Seattle-Tacoma-Bellevue, WA
- Offices
- 14
- FDIC cert #
- 34403
- RSSD ID
- 2562164
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.45B | $4.90B | $4.10B | $467.5M | $-29.1M | -1.10% | 7.02% | 1.80% |
| Q1 2026 | $5.66B | $5.08B | $3.81B | $507.3M | $12.4M | 0.96% | 6.90% | 1.19% |
| Q4 2025 | $4.74B | $4.19B | $3.65B | $493.1M | $49.2M | 1.11% | 7.56% | 1.35% |
| Q3 2025 | $4.55B | $4.02B | $3.57B | $476.2M | $36.1M | 1.10% | 7.64% | 1.31% |
| Q2 2025 | $4.48B | $3.96B | $3.44B | $462.4M | $22.1M | 1.03% | 7.71% | 1.36% |
| Q1 2025 | $4.34B | $3.84B | $3.38B | $449.0M | $10.5M | 0.99% | 7.87% | 1.30% |
| Q4 2024 | $4.12B | $3.63B | $3.33B | $436.1M | $48.0M | 1.22% | 7.34% | 1.52% |
| Q3 2024 | $4.06B | $3.63B | $3.26B | $370.8M | $34.0M | 1.16% | 7.40% | 1.63% |
Loan mix (Q2 2026): real estate $2.07B · commercial $147.5M · consumer $1.74B · securities $45.2M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Coastal Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.10% | 1.26% | 0th | |
Return on equity Annualized net income ÷ equity or net worth | -11.9% | 12.2% | 0th | |
Net interest margin Interest income − interest expense, ÷ assets | 7.02% | 3.70% | 98th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.2% | 59.0% | 76th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Coastal Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Coastal Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Coastal Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Coastal Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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