Coastal Community Bank
Coastal Community Bank reported total assets of $5.5 bn at Q2 2026, up 21.8% on a year earlier, the 265th largest of 497 banks in our US coverage. The CET1 capital ratio at Coastal Community Bank was 10.97%, and the uninsured share of Coastal Community Bank was 27.45%. Source: FDIC Call Reports.
Key takeaways
- On efficiency ratio, Coastal Community Bank slipped from 196th to 421st among 500 US banks between and (1 = lowest; FDIC Call Reports).
- Coastal Community Bank reports one of the lowest return on equity (ROE) readings among banks of $1 bn to $10 bn: -11.91% at , where the median of the 339 banks is 12.68% (FDIC Call Reports).
- The return on assets (ROA) of Coastal Community Bank, -1.10% at , places Coastal Community Bank in the bottom tenth of banks of $1 bn to $10 bn (group median 1.32%; FDIC Call Reports).
What sets Coastal Community Bank apart
- Few banks of $1 bn to $10 bn report a higher net charge-offs to average loans than Coastal Community Bank, at 4.96% in against a group median of 0.06%.
- Coastal Community Bank has one of the highest net interest margin readings among banks of $1 bn to $10 bn: 7.02% at , against a median of 3.66% across 339 banks.
- Over the year to , the net interest margin of Coastal Community Bank fell by 0.68 pp to 7.02%, a bigger fall than at 99% of covered banks.
How large is Coastal Community Bank?
The balance sheet of Coastal Community Bank at : assets $5.5 bn, deposits $4.9 bn, net loans $4.1 bn (loans equal to 83.68% of deposits). Securities make up 0.8% of total assets at Coastal Community Bank. Since , when Coastal Community Bank held $644.6 mn, its assets grew 745.8%. In the year to , deposits at Coastal Community Bank rose 23.9% while its total assets rose 21.8%. At , Coastal Community Bank employed 490 full-time equivalent staff across 14 offices, about $11.1 mn of assets per employee and $350.2 mn of deposits per office.
How much funding at Coastal Community Bank is uninsured?
At Coastal Community Bank, uninsured deposits (above the FDIC limit) made up 27.45% of domestic deposits at (+12.80 pp on a year earlier); Coastal Community Bank ranks 345th of 500 on this measure. In dollars, Coastal Community Bank estimated $1.3 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $4.9 bn | +23.9% | 253rd of 499 |
| Net loans and leases | $4.1 bn | +19.4% | 254th of 500 |
| Loan-to-deposit ratio | 83.68% | -3.14 pp | 298th of 500 |
| Tier 1 leverage ratio | 9.13% | -1.21 pp | 413th of 500 |
| Total risk-based capital ratio | 12.27% | -1.38 pp | 396th of 448 |
| Net interest margin | 7.02% | -0.68 pp | 15th of 500 |
| Return on assets (ROA) | -1.10% | -2.13 pp | 499th of 500 |
| Efficiency ratio | 68.22% | +12.84 pp | 421st of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Gain of $115,000 | Rose by $41,000 | |
| Unrealized gain/loss on available-for-sale securities | Loss of $1,000 | Was unchanged | |
| Noncurrent loans to total loans | 2.27% | +0.58 pp | 467th of 500 (1 = lowest) |
| Net charge-offs to average loans | 4.96% | -0.52 pp | 494th of 500 (1 = lowest) |
US rank of Coastal Community Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Coastal Community Bank: assets, deposits and loans
- Total assets $5.5bn
- Deposits $4.9bn
- Net loans $4.1bn
Capital and securities
The CET1 ratio of Coastal Community Bank stood at 10.97% in , -1.39 pp year on year. Low and high at Coastal Community Bank since : 9.34% () to 12.89% (). Equity capital of Coastal Community Bank at : $467.5 mn, or 8.6% of total assets. Coastal Community Bank also reported a total capital ratio of 12.27% for , and a tier 1 leverage ratio of 9.13%.
On held-to-maturity securities, Coastal Community Bank carried an unrealized gain of $115,000 at , equal to 0.0% of equity capital. The gain rose by $41,000 over the year. Its deepest point: $1.7 mn in . The available-for-sale portfolio of Coastal Community Bank showed an unrealized loss of $1,000 at ; the loss was unchanged over the year.
Coastal Community Bank: capital ratios
- Total capital 12%
- CET1 11%
- Tier 1 leverage 9.1%
Coastal Community Bank: unrealized securities gains and losses
- Available for sale -$1,000
- Held to maturity $115,000
Profitability and loan quality
For the year to , Coastal Community Bank earned a return on equity of -11.91%; return on assets: -1.10%. Net interest margin at Coastal Community Bank: 7.02%, -0.68 pp in a year. Coastal Community Bank net income: -$29.1 mn, down 231.8% year on year. The efficiency ratio of Coastal Community Bank was 68.22%: about 68 cents cost per revenue dollar, against 60 cents at the median peer.
At , noncurrent loans were 2.27% of total loans at Coastal Community Bank; net charge-offs: 4.96% of average loans. Gross loans and leases at Coastal Community Bank: $4.3 bn, up 19.9% in a year.
Coastal Community Bank: profitability
- Return on equity -12%
- Net interest margin 7.0%
- Return on assets -1.1%
Peer group of Coastal Community Bank
The peer group of Coastal Community Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of Coastal Community Bank (state member bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Washington. Against them, Coastal Community Bank shows CET1 ratio 10.97% against a peer median of 13.32%, return on equity -11.91% against a peer median of 11.56% and uninsured deposit share 27.45% against a peer median of 39.27%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Great Southern Bank | State nonmember bank | MO | $5.5 bn | 13.32% | 11.61% | 38.24% | |
| The American National Bank of Texas | National bank | TX | $5.5 bn | 12.30% | 11.51% | 43.91% | |
| Northfield Bank | Federal savings bank | NY | $5.5 bn | not reported | 7.33% | 50.35% | |
| Coastal Community Bank | State member bank | WA | $5.5 bn | 10.97% | -11.91% | 27.45% | |
| Green Dot Bank DBA Bonneville Bank | State member bank | UT | $5.4 bn | 31.97% | 29.74% | 3.68% | |
| Peoples Security Bank and Trust Company | State nonmember bank | PA | $5.4 bn | 12.75% | 10.85% | 31.02% | |
| Broadway National Bank | National bank | TX | $5.4 bn | 16.72% | 20.65% | 40.29% | |
. FDIC Call Reports.
Last eight quarters
Two years at Coastal Community Bank, to : assets +34.2%, deposits +34.9%, equity +26.1%. Staff 480 to 490.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $4.1 bn | $4.1 bn | $4.3 bn | $4.5 bn | $4.5 bn | $4.7 bn | $5.7 bn | $5.5 bn |
| Total deposits | $3.6 bn | $3.6 bn | $3.8 bn | $4.0 bn | $4.0 bn | $4.2 bn | $5.1 bn | $4.9 bn |
| Bank equity capital | $370.8 mn | $436.1 mn | $449.0 mn | $462.4 mn | $476.2 mn | $493.1 mn | $507.3 mn | $467.5 mn |
| CET1 ratio | 10.34% | 11.99% | 12.12% | 12.36% | 12.37% | 12.50% | 12.19% | 10.97% |
| Return on equity (ROE) | 12.92% | 13.06% | 9.47% | 9.84% | 10.55% | 10.62% | 9.93% | -11.91% |
| Uninsured share of domestic deposits | 14.92% | 14.95% | 14.56% | 14.65% | 15.38% | 15.32% | 34.80% | 27.45% |
| Full-time equivalent employees | 480 | 488 | 517 | 516 | 523 | 483 | 496 | 490 |
| Number of offices | 14 | 14 | 14 | 14 | 14 | 14 | 14 | 14 |
FDIC Call Reports.
Mergers and acquisitions
Large one-quarter moves at Coastal Community Bank
- Total assets at Coastal Community Bank changed by +41.8% in the quarter to 2020-06-30, with no FDIC structure event in that quarter.
Questions and identifiers
What were the total assets of Coastal Community Bank?
Coastal Community Bank reported $5.5 bn at in its Call Report. That makes Coastal Community Bank the 265th largest of 497 banks in our US coverage.
Is Coastal Community Bank the same as its holding company?
No. This page covers Coastal Community Bank, FDIC certificate 34403; COASTAL FINANCIAL CORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Coastal Community Bank profitable?
Coastal Community Bank reported net income of -$29.1 mn for the year to ; annualized return on equity: -11.91%. So no: Coastal Community Bank made a loss over these months.
When is data for Coastal Community Bank next updated?
Figures from Coastal Community Bank for are due after .
Where can I check the figures for Coastal Community Bank?
In the FDIC BankFind Suite record for certificate 34403, and in the Call Reports of Coastal Community Bank (RSSD ID 2562164) at the FFIEC Central Data Repository.