Coastal Community Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Capital moved notably last quarter, CET1 ratio of 10.97% was down 122bps from the prior quarter. Headquartered in Everett, Coastal Community Bank serves the Washington market as a community-focused commercial bank. Coastal Community's Q2 2026 balance sheet shows $5.5B in assets funded primarily by $4.9B in customer deposits. Earnings turned negative this period, with ROA at -3.27%. Regulatory capital is solid, 10.97% CET1 and 12.27% total risk-based capital ratio. Asset quality is solid, 1.37% nonperforming loans and a 17.76% Texas Ratio. Coastal Community operates a 14-branch network.
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%, a Texas ratio of 17.76%, per financial data 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
- 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 |
|---|---|---|
| Sprink Eric M | CEO | CEO |
| Edwards Joel G | CFO | Chief Financial Officer |
| Adams Christopher D | CHR | Executive Chair |
| Hamilton Brian T | PRES | President of CCBX |
| Rivas Freddy I | CCO | Chief Credit Officer |
| Sarvela Elizabeth Ann | CRO | Chief Risk Officer |
Profitability
Capital & 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.
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.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
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% | 17.76% | 7.42% |
| Q1 2026 | 12.19% | 1.00% | 1.41% | 13.55% | 6.94% |
| Q4 2025 | 12.50% | 1.14% | 1.48% | 13.66% | 7.12% |
| Q3 2025 | 12.37% | 1.23% | 1.29% | 12.52% | 7.09% |
| Q2 2025 | 12.36% | 1.04% | 1.27% | 12.51% | 7.08% |
| Q1 2025 | 12.12% | 0.99% | 1.34% | 13.24% | 7.45% |
| Q4 2024 | 11.99% | 1.37% | 1.00% | 12.74% | 6.76% |
| Q3 2024 | 10.34% | 1.42% | 1.03% | 14.91% | 7.53% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and 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.
- 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 required of all FDIC-insured commercial banks.
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 17.76% 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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