Everett, WA · Cert 34403 · Coastal Financial Corp.
State charter, Fed member · FED · 14 branches
Q2 2026
Market Position · Seattle-Tacoma-Bellevue, WA · 2026 SOD (annual) · 3.4% share · #8 of 43 inst. · $4.8B of $143.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.05% | 1.24% | 1.13% | 0.96% | -2.99% | -405 bps | |
| Return on Equity | 10.20% | 11.92% | 10.85% | 9.93% | -34.10% | -4,430 bps | |
| Net Interest Margin | 6.88% | 6.89% | 6.91% | 6.72% | 7.07% | +19 bps | |
| Efficiency Ratio | 60.35% | 48.17% | 52.35% | 55.54% | 78.87% | +1,852 bps | |
| Non-Interest Burden | 2.63% | 0.27% | 1.19% | 1.38% | 4.10% | +147 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 / Loans | 1.69% | 1.60% | 1.68% | 1.70% | 2.27% | +58 bps | |
| Net Charge-Offs / Loans | 5.48% | 5.26% | 5.24% | 4.98% | 4.69% | -79 bps | |
| Allowance / Loans | 4.58% | 4.64% | 4.44% | 4.33% | 4.95% | +38 bps | |
| Allowance Coverage of NPLs | 2.7x | 2.9x | 2.6x | 2.5x | 2.2x | -0.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.33% | 10.49% | 10.60% | 10.10% | 9.13% | -121 bps | |
| Total Risk-Based Capital | 13.65% | 13.66% | 13.79% | 13.48% | 12.27% | -138 bps | |
| Equity / Assets | 10.33% | 10.47% | 10.41% | 8.96% | 8.57% | -175 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 90.99% | 93.28% | 91.26% | 78.39% | 88.04% | -294 bps | |
| Liquid Assets / Assets | 16.40% | 14.31% | 15.84% | 26.30% | 18.44% | +204 bps | |
| CRE / Total Capital | n/a | 316% | 306% | 303% | n/a | n/a | |