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
Unfavorable gap of $138.4M · efficiency ratio beats 22% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer 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 Margin | 6.83% | 3.03% | 3.45% | 3.83% | Beats 98% | 7 / 328 | |
| Efficiency Ratio | 68.22% | 51.61% | 59.56% | 67.53% | Beats 22% | 256 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.27% | 0.24% | 0.51% | 1.03% | Beats 9% | 295 / 322 | |
| Net Charge-Offs / Loans | 2.61% | 0.01% | 0.03% | 0.10% | Beats 2% | 317 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 10.97% | 11.75% | 13.15% | 15.47% | Beats 14% | 283 / 328 | |
| Total Risk-Based Capital Ratio | 12.27% | 12.63% | 14.15% | 16.46% | Beats 22% | 257 / 328 | |
| Equity / Assets | 8.57% | 9.15% | 10.33% | 12.01% | Beats 14% | 283 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 88.04% | 76.63% | 87.92% | 95.36% | 50th pctl | 160 / 323 | |
| Loans / Assets | 79.16% | 65.18% | 74.15% | 79.98% | 72nd pctl | 92 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |