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Dec 31, 2025
Coastal Financial Q4 2025 Earnings Report
Coastal Financial reported solid Q4 2025 results with continued CCBX expansion and strong deposit growth.
Key Takeaways
The company delivered steady financial performance, supported by growth in both net interest income and BaaS-related revenue through the CCBX segment, while also managing costs despite some restructuring expenses.
Total revenue reached $138 million in Q4 2025, driven by both interest and noninterest income.
CCBX segment generated $8.4 million in BaaS program income and $48.4 million in indemnification-related income.
Net income was $12.6 million, down from $13.4 million a year ago.
Total assets rose to $4.74 billion, with $171.6 million in deposit growth during the quarter.
Revenue by Segment
Forward Guidance
Management expects continued momentum in the CCBX segment, with new partner launches and expanding product offerings expected to drive growth, while technology investments and credit discipline remain top priorities.
Positive Outlook
- Strong partner pipeline and new product launches expected in CCBX.
- Robinhood deposit program contributed to Q4 deposit growth.
- AI use cases improving risk management and operational efficiency.
- Loan portfolio optimization through strategic sales and partner credit enhancements.
- Robust liquidity and capital levels position the company for sustainable expansion.
Challenges Ahead
- Net income declined year-over-year despite revenue growth.
- Decrease in BaaS credit enhancements impacted noninterest income.
- Restructuring-related expenses increased operating costs.
- Pressure on loan yields due to portfolio mix changes.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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