COASTAL FINANCIAL CORP
For the period ended Dec 31, 2025. Filed Feb 27, 2026.
View on SEC.govAbout this filing
A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.
FY2025 · Filed Feb 27, 2026
CCB$43.62+2.1%Stored close · as of Nov 9, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
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Table of Contents
INDEX
| Page | ||
|---|---|---|
| Forward Looking Statements | i | |
| Part I | ||
| Item 1 | Business | 3 |
| Item 1A | Risk Factors | 27 |
| Item 1B | Unresolved Staff Comments | 50 |
| Item 1C | Cybersecurity | 50 |
| Item 2 | Properties | 52 |
| Item 3 | Legal Proceedings | 52 |
| Item 4 | Mine Safety Disclosures | 52 |
| Part II | ||
| Item 5 | Market for Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases | 53 |
| Item 6 | [Reserved] | 55 |
| Item 7 | Management’s Discussion and Analysis of Financial Condition and Operations | 55 |
| Item 7A | Quantitative and Qualitative Disclosures About Market Risk | 113 |
| Item 8 | Financial Statements and Supplementary Data (Baker Tilly LLP, Everett, WA, PCAOB ID: 23) | 113 |
| Consolidated Balance Sheets | 117 | |
| Consolidated Statements of Income | 119 | |
| Consolidated Statements of Comprehensive Income | 121 | |
| Consolidated Statements of Changes in Shareholders' Equity | 122 | |
| Consolidated Statements of Cash Flows | 123 | |
| Notes to Consolidated Financial Statements | 125 | |
| Item 9 | Changes in and Disagreements with Accountants on Accounting and Financial Disclosure | 187 |
| Item 9A | Controls and Procedures | 187 |
| Item 9B | Other Information | 189 |
| Item 9C | Disclosure Regarding Foreign Jurisdictions that Prevent Inspections | 189 |
| Part III | ||
| Item 10 | Directors, Executive Officers and Corporate Governance | 190 |
| Item 11 | Executive Compensation | 190 |
| Item 12 | Security Ownership of Certain Beneficial Owners and Management and Related Shareholder Matters | 190 |
| Item 13 | Certain Relationships and Related Transactions, and Director Independence | 191 |
| Item 14 | Principal Accountant Fees and Services | 191 |
| Part IV | ||
| Item 15 | Exhibits and Financial Statement Schedules | 192 |
| Signatures | 197 | |
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.