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Coastal Community Bank

Everett, WA · Cert 34403 · Coastal Financial Corp.

State charter, Fed member · FED · 14 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

17

Q2 2024Q2 2026peer median (50)

Asset Quality

6

Q2 2024Q2 2026peer median (50)

Profitability

33

Q2 2024Q2 2026peer median (50)

Liquidity

99

Q2 2024Q2 2026peer median

Efficiency

22

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Coastal Community Bank

Everett, WA · Cert 34403 · Coastal Financial Corp.

State charter, Fed member · FED · 14 branches

Q2 2026

$5.5BAssets
$4.3BLoans
$4.9BDeposits
$467.5MEquity
Loan mix
53%RE $2.0B8%C&I $0.3B39%Consumer $1.5BQ2 2025Q2 2026
Deposit mix
87%Interest-bearing $4.3B13%Noninterest $0.6BQ2 2025Q2 2026

NIM

9.76%Q2 ’249.51%Q2 ’259.06%Q2 ’26+3%-1%

Non-interest income vs. expense

5.93%Q2 ’246.44%Q2 ’258.80%Q2 ’26+176%+62%

Market Position · Seattle-Tacoma-Bellevue, WA · 2026 SOD (annual) · 3.4% share · #8 of 43 inst. · $4.8B of $143.1B

23.2% Snohomish
0.2% King
5.4% Island

Executive Summary

  • Earnings: ROA of -1.10%, down 213 bps year over year; NIM at 6.83%.
  • Asset quality: problem loans at 2.27% of loans (+58 bps YoY), with net charge-offs at 4.64%.
  • Capital: tier 1 leverage ratio of 9.13%, down 121 bps from a year ago.
  • Funding: loans stand at 88.04% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-1.10%-213 bps YoY

Net Interest Margin (YTD, annualized)

6.83%-4 bps YoY

Efficiency Ratio (YTD, annualized)

68.22%+1,284 bps YoY

Tier 1 Leverage Ratio

9.13%-121 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.03%1.10%1.11%0.96%-1.10%-213 bps
Return on Equity9.84%10.55%10.62%9.93%-11.91%-2,174 bps
Net Interest Margin6.87%6.81%6.76%6.72%6.83%-4 bps
Efficiency Ratio55.38%52.80%52.69%55.54%68.22%+1,284 bps
Non-Interest Burden1.68%1.20%1.18%1.38%2.72%+104 bps
Growth
Asset Growth (YoY)13.12%11.99%15.05%30.53%21.78%+866 bps
Loan Growth (YoY)8.25%9.35%8.94%11.91%19.87%+1,162 bps
Deposit Growth (YoY)11.52%10.55%15.24%32.44%23.87%+1,235 bps
Asset Quality
Nonperforming Loans / Loans1.69%1.60%1.68%1.70%2.27%+58 bps
Net Charge-Offs / Loans5.42%5.22%5.15%4.98%4.64%-77 bps
Allowance / Loans4.58%4.64%4.44%4.33%4.95%+38 bps
Allowance Coverage of NPLs2.7x2.9x2.6x2.5x2.2x-0.5x
Capital
Tier 1 Leverage Ratio10.33%10.49%10.60%10.10%9.13%-121 bps
Total Risk-Based Capital13.65%13.66%13.79%13.48%12.27%-138 bps
Equity / Assets10.33%10.47%10.41%8.96%8.57%-175 bps
Liquidity & Funding
Loans / Deposits90.99%93.28%91.26%78.39%88.04%-294 bps
Liquid Assets / Assets16.40%14.31%15.84%26.30%18.44%+204 bps
CRE / Total Capitaln/a316%306%303%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Coastal Community Bank

Everett, WA · Cert 34403 · Peer group: banks $1B-$10B in assets (n=322-328) · Coastal Financial Corp.

State charter, Fed member · FED · 14 branches

Q2 2026

$5.5BAssets
$4.3BLoans
$4.9BDeposits
$467.5MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 98% of banks $1B-$10B in assets (rank 7 of 328).
  • Widest gap: return on equity trails 99% of banks $1B-$10B in assets (rank 326 of 328).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

-1.07%

Rank 326 of 328

Net Interest Margin

6.83%

Rank 7 of 328

Efficiency Ratio

68.22%

Rank 256 of 328

Equity / Assets

8.57%

Rank 283 of 328

Non-interest income vs. expense

$308.9M$447.3MINCOMEEXPENSE
Unfavorable gap of $138.4M · efficiency ratio beats 22% of banks $1B-$10B in assets
Bank 68.22%Peer median 59.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-1.07%0.91%1.22%1.52%Beats 1%326 / 328
Return on Equity-12.46%8.43%11.45%14.43%Beats 1%326 / 328
Net Interest Margin6.83%3.03%3.45%3.83%Beats 98%7 / 328
Efficiency Ratio68.22%51.61%59.56%67.53%Beats 22%256 / 328
Asset Quality
Nonperforming Loans / Loans2.27%0.24%0.51%1.03%Beats 9%295 / 322
Net Charge-Offs / Loans2.61%0.01%0.03%0.10%Beats 2%317 / 322
Capital
Tier 1 Capital Ratio10.97%11.75%13.15%15.47%Beats 14%283 / 328
Total Risk-Based Capital Ratio12.27%12.63%14.15%16.46%Beats 22%257 / 328
Equity / Assets8.57%9.15%10.33%12.01%Beats 14%283 / 328
Liquidity & Funding
Loans / Deposits88.04%76.63%87.92%95.36%50th pctl160 / 323
Loans / Assets79.16%65.18%74.15%79.98%72nd pctl92 / 328
Brokered Deposits / Depositsn/aNot reported for this institution