Coastal Community Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at Coastal Community Bank. The Everett, Washington bank had $5.5 billion in assets at June 30, 2026, up 21.8% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.27% of loans from 1.64% a year earlier. It loses about $3.27 a year on every $100 of assets, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median $1.29). It also spends about 79 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 58 cents).
It lost $42 million in the quarter. Its $852 million credit card book is improving, with 9.23% past due or on nonaccrual, down from 10.50% a year earlier. Where it has less room is capital: it holds common equity equal to 10.97% of its risk-weighted assets, lower than about 9 in 10 banks its size (median 13.52%).
As of June 30, 2026, Coastal Community Bank reported a CET1 capital ratio of 10.97%, a return on assets of -3.27%, a nonperforming-loan ratio of 1.37% and a Texas ratio of 14.47%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 5415 Evergreen Way, Everett, WA 98203
- County
- Snohomish
- Metro Area
- Seattle-Tacoma-Bellevue, WA
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- April 1, 1997
- Offices
- 14 domestic
- Employees (FTE)
- 490
- Domestic deposits
- $4.90B
- Allowance for credit losses
- $213.7M
- Net charge-offs (YTD)
- $100.2M
- Average total assets
- $5.08B
- Average total loans
- $4.06B
- Average interest-bearing deposits
- $3.82B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 1, 1997
- FDIC Cert
- 34403
- Fed RSSD
- 2562164
- SEC CIK
- 1437958 → filed by COASTAL FINANCIAL CORPORATION
- Website
- www.coastalbank.com →
- Parent Holding Company
- COASTAL FINANCIAL CORPORATION (RSSD 3203008) · CCB
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Eric M Sprink | CEO | CEO |
| Christopher D Adams | CHR | Executive Chair |
| Brian T Hamilton | PRES | President of CCBX |
| Joel G Edwards | CFO | Chief Financial Officer |
| Freddy I Rivas | CCO | Chief Credit Officer |
| Sarvela Elizabeth Ann | CRO | Chief Risk Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Coastal Community Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Coastal Community Bank, freeCoastal Community Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.97% | -3.27% | 1.37% | 14.47% | 7.42% |
| Q1 2026 | 12.19% | 1.00% | 1.41% | 10.01% | 6.94% |
| Q4 2025 | 12.50% | 1.14% | 1.48% | 9.44% | 7.12% |
| Q3 2025 | 12.37% | 1.23% | 1.29% | 8.89% | 7.09% |
| Q2 2025 | 12.36% | 1.04% | 1.27% | 9.39% | 7.08% |
| Q1 2025 | 12.12% | 0.99% | 1.34% | 8.92% | 7.45% |
| Q4 2024 | 11.99% | 1.37% | 1.00% | 10.22% | 6.76% |
| Q3 2024 | 10.34% | 1.42% | 1.03% | 12.27% | 7.53% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 14 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Coastal Community Bank (main office) | Everett , WA | 98203 | $3.44B |
| Colby Avenue Branch | Everett , WA | 98201 | $269.3M |
| Snohomish Branch | Snohomish , WA | 98290 | $233.0M |
| Monroe Branch | Monroe , WA | 98272 | $170.8M |
| Woodinville Office | Woodinville , WA | 98072 | $165.4M |
| Smokey Point | Arlington , WA | 98223 | $126.5M |
| Stanwood Branch | Stanwood , WA | 98292 | $113.5M |
| Arlington Branch | Arlington , WA | 98223 | $73.7M |
| Marysville Branch | Marysville , WA | 98270 | $71.5M |
| Camano Branch | Camano Island , WA | 98282 | $69.4M |
| Sky Valley Branch | Sultan , WA | 98294 | $54.8M |
| Silver Lake Branch | Everett , WA | 98208 | $45.1M |
| Darrington Branch | Darrington , WA | 98241 | $34.3M |
| Edmonds Branch | Edmonds , WA | 98020 | $34.0M |
Regulatory record
What the public regulatory sources show for Coastal Community Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- September 25, 2009, Federal Reserve: Written Agreement: Coastal Financial Corporation, Everett, Washington; Coastal Community Bank, Everett, Washington
- Period: Most recent institution action September 25, 2009. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 2.3% of deposits in WA, rank 11 of 63 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 93,158 applications, 21,244 loans originated, $1.54B originated, across 44 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $300K approved, $300K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Coastal Community Bank
What are Coastal Community Bank's total assets?
As of the Q2 2026 filing, Coastal Community Bank reported total assets of $5.45 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Coastal Community Bank headquartered?
Coastal Community Bank is headquartered in Everett, WA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Coastal Community Bank founded?
Coastal Community Bank was established in 1997, per the FDIC institution directory.
Is Coastal Community Bank FDIC-insured?
Yes. Coastal Community Bank is an FDIC-insured commercial bank (FDIC Certificate #34403). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Coastal Community Bank?
Coastal Community Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Coastal Community Bank's CET1 capital ratio?
Coastal Community Bank reported a Common Equity Tier 1 (CET1) capital ratio of 10.97% in its Q2 2026 call report, above regulatory requirements.
How many branches does Coastal Community Bank operate?
Coastal Community Bank operates 14 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Coastal Community Bank's Texas Ratio?
Coastal Community Bank's Texas Ratio is 14.47% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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