The equity-to-assets ratio has declined to 0.09 as of 2026Q1, indicating that the bank's capital buffers are thinning under the weight of an asset base that has grown to $5.7 billion.
| Cash & Short Term Investments | 1.45B | 34.27M | 452.55M | 582.63M | 439.46M | 848.49M | 183.52M | 156.17M | 162.44M | 126.68M | 120.08M | 10.35M | 6.51M |
| Cash & Due from Banks | 52.7M | 34.24M | 452.51M | 483.13M | 342.14M | 813.16M | 163.12M | 127.81M | 125.78M | 89.75M | 86.97M | 10.35M | 6.51M |
| Short Term Investments | 28K | 29K | 35K | 99.5M | 97.32M | 35.33M | 20.4M | 28.36M | 36.66M | 36.93M | 33.11M | 0 | 0 |
| Total Investments | 5.31B | 4.42B | 3.57B | 3.18B | 2.72B | 1.77B | 1.56B | 964.85M | 800.18M | 690.79M | 626.68M | 0 | 0 |
| Investments Growth % | 88.09% | 23.66% | 12.35% | 17.02% | 53.6% | 13.53% | 61.39% | 20.58% | 15.84% | 10.23% | - | - | - |
| Long-Term Investments | 17.2B | 4.42B | 3.57B | 3.08B | 2.62B | 1.73B | 1.54B | 936.49M | 763.52M | 653.86M | 593.57M | 0 | 0 |
| Accounts Receivables | 3.71B | 3.6B | 35.24M | 32.55M | 28.23M | 9.37M | 8.62M | 2.98M | 2.53M | 2.27M | 1.73M | 0 | 0 |
| Goodwill & Intangibles | 4.43M | 4.54M | 0 | 0 | 0 | 269K | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill | 0 | 4.54M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 4.43M | 0 | 0 | 0 | 0 | 269K | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PP&E (Net) | 34.35M | 34.15M | 32.65M | 28.02M | 23.23M | 23.32M | 24.23M | 21.6M | 13.17M | 13.12M | 13.1M | 10.46M | 5.64M |
| Other Assets | -5.31B | -4.42B | 27.02M | 24.86M | 16.9M | 14.66M | 9.18M | 8.54M | 7.94M | 7.73M | 8.72M | 525.7M | 416.75M |
| Total Current Assets | 3.76B | 3.63B | 487.79M | 615.18M | 467.69M | 857.86M | 192.13M | 159.15M | 164.97M | 128.95M | 121.81M | 10.35M | 6.51M |
| Total Non-Current Assets | 38.78M | 38.68M | 3.63B | 3.13B | 2.68B | 1.78B | 1.57B | 969.37M | 787.14M | 676.8M | 618.8M | 536.16M | 422.39M |
| Total Assets | 5.66B | 4.74B | 4.12B | 3.75B | 3.14B | 2.64B | 1.77B | 1.13B | 952.11M | 805.75M | 740.61M | 546.51M | 428.9M |
| Asset Growth % | 70.66% | 15.05% | 9.9% | 19.26% | 19.31% | 49.23% | 56.5% | 18.53% | 18.16% | 8.8% | 35.52% | 27.42% | - |
| Return on Assets (ROA) | 1.01% | 1.06% | 1.15% | 1.29% | 1.41% | 1.23% | 1.05% | 1.27% | 1.1% | 0.7% | 0.78% | 0.48% | 0.48% |
| Accounts Payable | 0 | 0 | 30.13M | 31.18M | 21.1M | 2.2M | 531K | 308K | 279K | 228K | 224K | 0 | 0 |
| Total Debt | 52.87M | 58M | 53.28M | 53.86M | 52.82M | 59.19M | 199.62M | 32.24M | 33.55M | 33.53M | 28.51M | 10.41M | 18.41M |
| Net Debt | 178K | 23.76M | -399.23M | -429.27M | -289.32M | -753.97M | 36.5M | -95.57M | -92.24M | -56.22M | -58.46M | 62K | 11.9M |
| Long-Term Debt | 48.07M | 53.02M | 47.88M | 47.73M | 47.59M | 52.87M | 38.58M | 23.56M | 33.55M | 33.53M | 28.51M | 10.41M | 18.41M |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 153.72M | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Liabilities | 5.11B | 3.97B | 13.76M | 9.62M | 9.53M | 9.12M | 4.45M | 3.85M | 5.51M | 2.99M | 3.31M | 483.58M | 372M |
| Total Current Liabilities | 4.8M | 4.98M | 3.62B | 3.39B | 2.84B | 2.37B | 1.58B | 968.27M | 803.89M | 703.52M | 648.89M | 219K | 172K |
| Total Non-Current Liabilities | 5.16B | 4.03B | 67.04M | 63.48M | 62.35M | 68.31M | 50.35M | 36.09M | 39.06M | 36.52M | 31.83M | 493.77M | 390.24M |
| Total Liabilities | 5.16B | 4.25B | 3.68B | 3.46B | 2.9B | 2.43B | 1.63B | 1B | 842.95M | 740.04M | 680.71M | 493.99M | 390.41M |
| Total Equity | 503.76M | 490.96M | 438.7M | 294.98M | 243.49M | 201.22M | 140.22M | 124.17M | 109.16M | 65.71M | 59.9M | 52.52M | 38.49M |
| Equity Growth % | 112.86% | 11.91% | 48.72% | 21.14% | 21.01% | 43.51% | 12.92% | 13.76% | 66.12% | 9.71% | 14.04% | 36.46% | - |
| Equity / Assets (Capital Ratio) | 8.89% | 10.35% | 10.65% | 7.87% | 7.74% | 7.64% | 7.94% | 11% | 11.46% | 8.16% | 8.09% | 9.61% | 8.97% |
| Return on Equity (ROE) | 10.2% | 10.11% | 12.33% | 16.56% | 18.27% | 15.82% | 11.46% | 11.32% | 11.1% | 8.66% | 8.9% | 5.16% | 5.31% |
| Book Value per Share | 32.59 | 31.78 | 31.62 | 21.63 | 18.02 | 16.07 | 11.48 | 10.18 | 10.29 | 5.76 | 5.25 | 5.70 | 4.18 |
| Tangible BV per Share | 32.31 | 31.48 | 31.62 | 21.63 | 18.02 | 16.05 | 11.48 | 10.18 | 10.29 | 5.76 | 5.25 | 5.70 | 4.18 |
| Common Stock | 234.22M | 233.44M | 228.18M | 130.14M | 125.83M | 121.84M | 87.81M | 86.98M | 86.43M | 52.52M | 52.22M | 51.86M | 40.2M |
| Additional Paid-in Capital | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Retained Earnings | 269.54M | 257.52M | 210.53M | 165.31M | 120M | 79.37M | 52.37M | 37.22M | 24.02M | 14.13M | 8.7M | 691K | -1.66M |
| Accumulated OCI | -1K | -1K | -2K | -469K | -2.33M | 4K | 34K | -32K | -1.3M | -944K | -1.02M | -29K | -53K |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 29K | 0 |
BaaS Regulatory Compliance Overhead
According to the latest quarterly filings, Coastal Financial Corporation has expanded its total assets from $3.8 billion in 2023Q4 to $5.7 billion in 2026Q1, a rapid growth trajectory that appears driven by the scaling of its CCBX division rather than traditional organic community banking expansion.
The bank's asset growth is heavily concentrated in investment securities, which have ballooned to $5.3 billion, suggesting a strategic pivot toward liquid, interest-earning assets to support its BaaS operations. This rapid balance sheet expansion warrants caution, as it may outpace the bank's ability to maintain long-term capital adequacy ratios.
As reported in financial statements, the equity-to-assets ratio has compressed to 0.09 in 2026Q1, down from 0.11 in 2024Q4, indicating that the bank's capital base is struggling to keep pace with the aggressive growth of its total asset footprint.
This thinning capital cushion suggests that Coastal Financial has limited room for error should credit losses in its loan portfolio or operational failures within the CCBX division materialize. Investors should monitor whether management will be forced to slow asset growth or seek external capital to bolster its regulatory standing.
Based on the reported figures, cash and cash equivalents have plummeted from a peak of $719.8 million in 2025Q2 to just $34.2 million by 2025Q4, signaling a significant tightening of the bank's immediate liquidity position relative to its total asset base.
The rapid depletion of cash reserves appears to reflect a shift toward deploying capital into higher-yielding securities or funding loan growth. This transition may leave the bank more reliant on wholesale funding markets, which could prove costly and volatile if market conditions deteriorate.
Data from the balance sheet reveals that investment securities now constitute the vast majority of total assets at $5.3 billion, a trend that suggests the bank is increasingly exposed to interest rate risk and duration mismatches within its primary asset class.
While this portfolio provides a steady stream of interest income, it creates a non-obvious risk where the bank's valuation becomes highly sensitive to shifts in the yield curve. If interest rates remain elevated or volatile, the unrealized losses on these securities could further pressure the bank's already thin equity base.
Quick answers to the most common questions about buying CCB stock.
As of 2025, Coastal Financial Corporation (CCB) had total assets of $4.74B including $3.63B in current assets.
Coastal Financial Corporation (CCB) carries total debt of $58.0M. Comparing total debt to cash helps evaluate the company's debt burden and net leverage.
Coastal Financial Corporation (CCB) has total shareholders' equity (book value) of $491.0M ($31.78 book value per share). Book value represents the net worth of the company belonging to common stock holders.
Coastal Financial Corporation (CCB) reported a current ratio of 728.91x. A current ratio above 1.0x indicates that the company has more current assets than current liabilities, suggesting sufficient short-term liquidity.