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(Mark one)

For the quarterly period ended September 30, 2025

or

For the transition period from _______________ to _______________

Commission file number: 001-38589

(Exact name of registrant as specified in its charter)

_________________________________________________________________________________________________

Securities registered pursuant to Section 12(b) of the Act:

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes x No o

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§ 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). Yes x No o

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company” and emerging growth company in Rule 12b-2 of the Exchange Act.

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act ☐

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes o No x

As of November 3, 2025, there were 15,121,263 shares of the issuer’s common stock outstanding.

This report may contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements reflect our current views with respect to, among other things, future events and our financial performance. Any statements about our management’s expectations, beliefs, plans, predictions, forecasts, objectives, assumptions or future events or performance are not historical facts and may be forward-looking. These statements are often, but not always, made through the use of words or phrases such as “anticipate,” “believes,” “can,” “could,” “may,” “predicts,” “potential,” “should,” “will,” “estimate,” “plans,” “projects,” “continuing,” “ongoing,” “expects,” “intends” and similar words or phrases. All forward-looking statements, expressed or implied, included herewith are expressly qualified in their entirety by the cautionary statements contained or referred to herein. The inclusion of forward-looking information in this report should not be regarded as a representation by us or any other person that the future plans, estimates or expectations contemplated by us will be achieved. We have based these forward-looking statements largely on our current expectations and projections about future events and financial trends that we believe may affect our financial condition, results of operations, business strategy and financial needs.

Factors that may affect our results are disclosed in “Item 1A. Risk Factors” in Part II of this report and in the section titled “Risk Factors” in our Annual Report on Form 10-K for the year ended December 31, 2024 (“Form 10-K”). Some of the risks and uncertainties that may cause our actual results, performance or achievements to differ materially from those expressed include, but are not limited to, the following: the difficult market conditions and unfavorable economic conditions and uncertainties in the markets in which we operate and in which our loans are concentrated, including declines in housing markets as a result of global macroeconomic and geopolitical events, an increase in unemployment levels and slowdowns in economic growth, including as a result of the prolonged U.S. government shutdown; changes in U.S. trade policies, including the imposition of tariffs and retaliatory tariffs, may adversely impact our business, financial condition, and results of operations; our expected future financial results; our ability to successfully execute on our strategy for our CCBX segment, CCBX partnerships and our efforts to optimize and strengthen our CCBX balance sheet; the overall health of the local and national real estate market; the impacts related to or resulting from bank failures and mergers and other economic and industry volatility, including potential increased regulatory requirements and costs and potential impacts to macroeconomic conditions; the credit risk associated with our loan portfolio, our level of nonperforming assets and the costs associated with resolving problem loans; business and economic conditions generally and in the financial services industry, nationally and within our market area, particularly in the markets in which we operate and in which our loans are concentrated; the impact on the Company’s operations due to epidemic illnesses, natural or man-made disasters, such as earthquakes, tsunamis, wildfires and flooding, the effects of regional or national civil unrest, wars and acts of terrorism, and political developments that may disrupt or increase volatility in securities or otherwise affect economic conditions; our ability to maintain an adequate level of allowance for credit losses; our ability to successfully manage liquidity risk; our ability to implement our growth strategy and manage costs effectively; the composition of our senior leadership team and our ability to attract and retain key personnel; our ability to raise additional capital to implement our business plan; changes in market interest rates and impacts of such changes on our profits and business; the occurrence of fraudulent activity, breaches or failures of our information security controls or cybersecurity-related incidents; interruptions involving our information technology and telecommunications systems or third-party servicers; our ability to maintain our reputation; increased competition in the financial services industry; regulatory guidance on commercial lending concentrations; our relationship with digital financial service providers; the effectiveness of our risk management framework; the costs and obligations associated with being a publicly traded company and other unanticipated costs that we may experience; the commencement and outcome of litigation and other legal proceedings and regulatory actions against us or to which we may become subject; the extensive regulatory framework that applies to us; the impact of recent and future legislative and regulatory changes and economic stimulus programs; and other changes in banking, securities and tax laws and regulations, and their application by our regulators; the impact on our operations due to epidemic illnesses, natural or man-made disasters, such as wildfires, the effects of regional or national civil unrest, and political developments that may disrupt or increase volatility in securities or otherwise affect economic conditions; fluctuations in the value of the securities held in our securities portfolio; governmental monetary and fiscal policies; material weaknesses in our internal control over financial reporting; and our success at managing the risks involved in the foregoing items.

The foregoing factors should not be construed as exhaustive and should be read together with the other cautionary statements included in this report. If one or more events related to these or other risks or uncertainties materialize, or if our underlying assumptions prove to be incorrect, actual results may differ materially from what we anticipate. You are cautioned not to place undue reliance on forward-looking statements. Further, any forward-looking statement speaks only as of the date on which it is made and we undertake no obligation to update or revise any forward-looking statement to reflect events or circumstances after the date on which the statement is made or to reflect the occurrence of unanticipated events, except as required by law.

COASTAL FINANCIAL CORPORATION AND SUBSIDIARIES CONDENSED CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED)
(dollars in thousands, except for per share data)

			Three Months Ended												Nine Months Ended
			September 30,												September 30,
			2025						2024						2025						2024
INTEREST AND DIVIDEND INCOME
Interest and fees on loans			$	100,367					$	99,676					$	297,381					$	276,446
Interest on interest earning deposits with other banks			8,007						4,781						22,162						15,244
Interest on investment securities			616						675						1,892						2,395
Dividends on other investments			37						33						296						244
Total interest income			109,027						105,165						321,731						294,329
INTEREST EXPENSE
Interest on deposits			30,466						32,083						89,051						91,528
Interest on borrowed funds			660						809						1,980						2,150
Total interest expense			31,126						32,892						91,031						93,678
Net interest income			77,901						72,273						230,700						200,651
PROVISION FOR CREDIT LOSSES			56,598						70,257						144,590						215,740
Net interest income/(expense) after provision for credit losses			21,303						2,016						86,110						(15,089)
NONINTEREST INCOME
Service charges and fees			903						952						2,676						2,806
Loan referral fees			—						—						—						168
Unrealized gain (loss) on equity securities, net			9						2						(414)						26
Other income			772						486						2,307						1,051
Noninterest income, excluding BaaS program income and BaaS indemnification income			1,684						1,440						4,569						4,051
Servicing and other BaaS fees			1,264						1,044						4,222						3,700
Transaction and interchange fees			4,878						3,549						13,820						9,144
Reimbursement of expenses			1,412						565						3,084						1,677
BaaS program income			7,554						5,158						21,126						14,521
BaaS credit enhancements			55,412						70,108						140,328						210,742
BaaS fraud enhancements			2,127						2,084						6,924						4,791
BaaS indemnification income			57,539						72,192						147,252						215,533
Total noninterest income			66,777						78,790						172,947						234,105
NONINTEREST EXPENSE
Salaries and employee benefits			20,146						17,060						63,029						51,973
Occupancy			952						964						2,901						2,978
Data processing and software licenses			6,114						4,658						16,537						12,113
Legal and professional expenses			3,957						3,277						15,807						10,207
Point of sale expense			69						73						245						235
Excise taxes			696						762						2,099						376
Federal Deposit Insurance Corporation ("FDIC") assessments			815						740						2,360						2,113
Director and staff expenses			544						559						1,787						1,429
Marketing			272						67						372						134
Other expense			1,640						1,482						5,102						4,733
Noninterest expense, excluding BaaS loan and BaaS fraud expense			35,205						29,642						110,239						86,291
BaaS loan expense			32,840						32,698						97,830						87,816
BaaS fraud expense			2,127						2,084						6,924						4,791
BaaS loan and fraud expense			34,967						34,782						104,754						92,607
Total noninterest expense			70,172						64,424						214,993						178,898
Income before provision for income taxes			17,908						16,382						44,064						40,118
PROVISION FOR INCOME TAXES			4,316						2,926						9,714						8,266
NET INCOME			$	13,592					$	13,456					$	34,350					$	31,852
Basic earnings per common share			$	0.90					$	1.00					$	2.29					$	2.38
Diluted earnings per common share			$	0.88					$	0.97					$	2.24					$	2.32
Weighted average number of common shares outstanding:
Basic			15,093,274						13,447,066						15,030,171						13,400,414
Diluted			15,443,987						13,822,270						15,314,561						13,745,313