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Coastal Community Bank
Everett, WA·FDIC Cert #34403·Charter: STATE·Est. 19970401.0·HC: COASTAL FINANCIAL CORP
Total Assets
$4.7B
Q4 2025
Return on Assets
1.11%
+0.01%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
52.69%
Peer avg: 57.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
49
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.11%+0.01
ROE
10.62%+0.07
Efficiency
52.69%-0.11
Equity/Assets
0.00%+0.00
NPL Ratio
1.76%+0.08
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
87.21%-1.74
Charge-offs
5.40%-0.03
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.8 | 1.0 | 1.2 | 1.2 | 1.0 | 1.0 | 1.1 | 1.1 |
| ROE | 8.8 | 11.5 | 12.9 | 13.1 | 9.5 | 9.8 | 10.6 | 10.6 |
| Efficiency | 37.6 | 40.0 | 41.0 | 41.8 | 51.1 | 55.4 | 52.8 | 52.7 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 1.8 | 1.7 | 2.0 | 1.9 | 1.7 | 1.8 | 1.7 | 1.8 |
| Charge-offs | 7.4 | 6.9 | 6.6 | 6.5 | 5.5 | 5.5 | 5.4 | 5.4 |
| Loan/Deposit | 88.3 | 89.6 | 89.6 | 91.7 | 88.0 | 86.8 | 89.0 | 87.2 |
Balance Sheet
Total Assets$4.7B
Total Deposits$4.2B
Total Loans$3.7B
Total Equity$493.1M
Profitability
ROA1.11%
ROE10.62%
Efficiency Ratio52.69%
Net Income$49.2M
Risk & Asset Quality
NPL Ratio1.76%
Charge-off Rate5.40%
Loan/Deposit87.21%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans