Coastal Financial Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	414.56	397.59	372.02	304.29	183.35	82.11
Interest Income on Investments	32.59	32.03	24.76	18.93	8.82	0.97
Total Interest Income	447.15	429.62	396.78	323.22	192.17	83.08
Interest Paid on Deposits	114.04	116.91	120.93	89	19	2.33
Interest Paid on Borrowings	3.12	2.64	2.82	2.64	1.39	1.32
Total Interest Expense	117.16	119.55	123.75	91.64	20.4	3.65
Net Interest Income	329.99	310.07	273.03	231.58	171.78	79.44
Net Interest Income Growth	10.94%	13.56%	17.90%	34.81%	116.24%	38.43%
Gain (Loss) on Sale of Assets	-	-	-	-	-	1.26
Gain (Loss) on Sale of Investments	0.11	-0.41	0.03	0.28	-0.15	1.47
Other Non-Interest Income	276.46	228.46	304.44	199.74	119.29	21.29
Total Non-Interest Income	280.22	231.61	308.21	204.12	122.94	28.12
Non-Interest Income Growth	8.17%	-24.85%	50.99%	66.03%	337.24%	243.66%
Revenues Before Loan Losses	610.21	541.67	581.23	435.7	294.72	107.56
Provision for Loan Losses	248.19	192.63	277.61	183.99	79.06	9.92
Revenue	362.02	349.04	303.63	251.71	215.65	97.64
Revenue Growth	7.62%	14.96%	20.63%	16.72%	120.87%	70.52%
Salaries and Employee Benefits	81.61	77.17	65.08	62.77	49.71	35.82
Occupancy Expenses	2.18	2.51	2.55	2.86	2.75	2.7
Federal Deposit Insurance	3.03	3.18	2.86	2.52	2.86	1.63
Selling, General & Administrative	70.74	57.49	39.8	32.3	20	13.13
Other Non-Interest Expense	209.98	147.45	136.01	94.11	87.52	9.99
Total Non-Interest Expense	367.54	287.8	246.31	194.57	162.83	63.26
EBT Excluding Unusual Items	-5.52	61.25	57.32	57.13	52.83	34.38
Pretax Income	-5.52	61.25	57.32	57.13	52.83	34.38
Income Tax Expense	-1.67	14.25	12.1	12.55	12.2	7.37
Net Income	-3.85	46.99	45.22	44.58	40.63	27.01
Net Income to Common	-3.85	46.99	45.22	44.58	40.63	27.01
Net Income Growth	-	3.92%	1.44%	9.73%	50.43%	78.30%
Basic Shares Outstanding	15	15	14	13	13	12
Diluted Shares Outstanding	15	15	14	14	14	13
Shares Change	3.49%	10.62%	1.74%	0.93%	7.94%	2.56%
EPS (Basic)	-0.25	3.12	3.35	3.36	3.14	2.25
EPS (Diluted)	-0.26	3.06	3.26	3.27	3.01	2.16
EPS Growth	-	-6.13%	-0.31%	8.64%	39.35%	74.19%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Effective Tax Rate	-	23.27%	21.11%	21.97%	23.09%	21.45%

SEC Filings: 10-K · 10-Q