Coastal Community Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 56.34 percentage points in Q2 2026, from 306.32% to 362.66%. It was the largest change from Q1 2026 among the key lines here. Coastal Community Bank has the 1st lowest return on assets of the 29 banks headquartered in Washington, at -3.27% as of Q2 2026. Against a median of 1.28% for banks in the $1B-10B asset tier, Coastal Community Bank reported -3.27% on return on assets in Q2 2026, 4.55 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.97% |
| Tier 1 risk-based capital ratio | 10.97% |
| Total risk-based capital ratio | 12.27% |
| Tier 1 leverage ratio | 9.13% |
| Equity capital to assets | 8.57% |
| Tangible equity to tangible assets | 8.50% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.37% |
| Non-performing assets ratio | 1.08% |
| Net charge-off ratio | 4.99% |
| Texas ratio | 17.76% |
| Allowance for credit losses to loans | 4.95% |
| Reserve coverage of non-performing loans | 362.66% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -3.27% |
| Return on equity | -34.10% |
| Net interest margin | 7.42% |
| Efficiency ratio | 78.86% |
| Yield on earning assets | 9.81% |
| Cost of funds | 2.58% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.04% |
| Core deposits to total deposits | 99.92% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.91% |
| Securities to assets | 0.83% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.21% | 10.21% | 11.48% | 8.99% | 1.21% |
| Q4 2023 | 10.30% | 10.30% | 11.58% | 9.06% | 1.05% |
| Q1 2024 | 10.14% | 10.14% | 11.43% | 9.19% | 0.80% |
| Q2 2024 | 10.15% | 10.15% | 11.44% | 9.24% | 1.28% |
| Q3 2024 | 10.34% | 10.34% | 11.63% | 9.29% | 1.42% |
| Q4 2024 | 11.99% | 11.99% | 13.28% | 10.64% | 1.37% |
| Q1 2025 | 12.12% | 12.12% | 13.42% | 10.57% | 0.99% |
| Q2 2025 | 12.36% | 12.36% | 13.65% | 10.33% | 1.04% |
| Q3 2025 | 12.37% | 12.37% | 13.66% | 10.49% | 1.23% |
| Q4 2025 | 12.50% | 12.50% | 13.79% | 10.60% | 1.14% |
| Q1 2026 | 12.19% | 12.19% | 13.48% | 10.10% | 1.00% |
| Q2 2026 | 10.97% | 10.97% | 12.27% | 9.13% | -3.27% |
Coastal Community Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Coastal Community Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Coastal Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34403) · FFIEC NIC profile (RSSD 2562164)