# COASTAL COMMUNITY BANK
EVERETT, WA · FDIC certificate 34403 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $5.45B | |
| Deposits | $4.90B | |
| Loans and leases | $4.32B | |
| Total equity | $467.5M | |
| Loans / deposits | 83.68% (p42 of band) | 87.10% |
| Liquid assets / assets | 19.33% (p43 of band) | |
| Uninsured deposits / deposits | 27.45% (p39 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p12 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.13% (p16 of band) | 10.50% |
| Unrealized securities loss / equity | 0.02% (p99 of band) | -7.75% |
| AOCI / equity | 0.00% (p77 of band) | |
| ROA (annualized) | -1.10% (p1 of band) | 1.26% |
| Net interest margin | 7.02% (p98 of band) | 3.70% |
| Efficiency ratio | 68.22% (p76 of band) | |
| Noncurrent loans | 2.27% (p93 of band) | 0.51% |
| Net charge-offs (annualized) | 3.79% (p99 of band) | |
| Reserve coverage of noncurrent | 218.17% | |
| Real estate % of loans | 48% | |
| Construction % of loans | 47.40% (p49 of band) | |
| Auto loans | $129,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $218.0M (47% of equity) (p97 of band) | |
| Deposits YoY | 23.9% | |
| Employees | 490 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, charge-offs p90 |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 | reserve under noncurrent | charge-offs p90 |
| 2011-12 | 0 |  | losing money, reserve under noncurrent |
| 2012-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2012-06 | 0 |  | charge-offs p90, reserve under noncurrent |
| 2012-09 | 1 | capital falling |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | capital falling |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 0 |  | capital falling |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 3 | brokered >10%, wholesale funding >15%, capital falling |  |
| 2019-06 | 0 |  | brokered >10%, wholesale funding >15%, capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | loans exceed deposits |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 1 |  | loans exceed deposits |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 | charge-offs p90 | capital falling |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | noncurrent p90 |  |
| 2023-03 | 1 |  | noncurrent p90 |
| 2023-06 | 2 | uninsured deposits leaving |  |
| 2023-09 | 4 | capital falling, noncurrent p90 |  |
| 2023-12 | 3 |  | capital falling |
| 2024-03 | 3 |  |  |
| 2024-06 | 2 |  | uninsured deposits leaving |
| 2024-09 | 3 | brokered >10% |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 2 |  | noncurrent p90 |
| 2025-06 | 4 | capital falling, noncurrent p90 |  |
| 2025-09 | 1 |  | brokered >10%, capital falling, noncurrent p90 |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 4 | capital falling, losing money, noncurrent p90 |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-14 [What Is Coastal Community Bank, and Are Its Credit Cards Right for You? - NerdWallet](https://news.google.com/rss/articles/CBMiggFBVV95cUxNcmJXZmpCYkpESW5QSFZCSWJPWnRnVE5NVGFkcl9qV1RLNEhSTUpkaWZ0dWRZdGMzMlZGT1NlbS1nVmhmTUhRbF9oTEFnQU9IclhkS1hLaWVJOWl6TU11SU1udmtJVDREZ2dJQ0hBeVRnVmtBczhYbmo1M3REOWdSaGJR?oc=5) · NerdWallet
- 2026-07-30 [How concentration risk hit one banking-as-a-service provider - American Banker](https://news.google.com/rss/articles/CBMinAFBVV95cUxPdlQwM3pBOHFLMG9JOTUtMXVsOVFUWE16TXAta0pIa1ZReXZndFRmMXloU001THlJd0wtTzBrMU5pME56OFRxNi14THowRm1RVzVyYVl3N2x6bWFMQ2Y5d2licVVidWNTRHYyYjJBZk9mUzZKRjJGR1YtZ2E3a1dLN0JPTHRlcEZrcjFDeG12WTN5ZWd4Rk9jbG52SFQ?oc=5) · American Banker
- 2026-07-30 [Coastal Community Bank Number of Employees 2026 | Employee Count & Headcount Data - reveliolabs.com](https://news.google.com/rss/articles/CBMiekFVX3lxTE1Kdk50LW5NcjRremVlSVZRQjd1TDNaM3VNcVFueWJMZFo2cUxCUm5uQjhCczR6aHZFb0lCT1M2MjhKcUhWdGx6RU5WRDVjMUY4djFGazJOcjgxaU8wcDBRWkdCdmtndnl5clB6eEpTVE5kWVp1WFF1ODBR?oc=5) · reveliolabs.com
- 2026-08-10 [Coastal Community Bank (WA) Review - SmartAsset](https://news.google.com/rss/articles/CBMihwFBVV95cUxOOXlhWU1fWF82Ry1nb3c3WVdRSGl4VlZqSHFGV2hWTnYwMW9ONzJYT0JuZG1jcFNWTVJkQm5yUjZiU0lvMm1fVzBvM09mM0hucGlpMWx3Q0JjTWlDSWhXNWxrSWlXeDZNWG05QVRmal9pWkdxTW0xWTFuU0VsQ3NVcG5rbjYyU0E?oc=5) · SmartAsset
- 2026-01-14 [Coastal Financial buys ‘climate-friendly’ fintech GreenFi - Banking Dive](https://news.google.com/rss/articles/CBMipgFBVV95cUxQOFZhQnJIdmhSQmY0a2lqdTZUbDllRUhNRjVfYWpLaEJ0OUdPVU90azlUNFVrcl9nZm1aSVJmNnpraVFxVUF2eUNYeFNzNXpmTDQ1bU1hTmI5aVpUbGtjaEZqR3lnUkIwS2t2NXBZekw5cDM3OEwyY2l0UEhUTGZHZGE0ZUFvY0dFWkhSanJ3V3ZPWEl6UFNHTkRzbVI2RzlrZGRZbHpR?oc=5) · Banking Dive
- 2026-08-03 [Coastal Community Bank’s Everett Tournament Welcomed 235 Teams - stocktitan.net](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPMjZDRWhfOWdWZlpWdTlobFoycEhtQ0poZVBNeHBwZDFYMk83MjZiOHVSeHBYRXBSOWFvTk12VGJPSlVkQWtwd2VnMXVFOEUxODNQUWtYaXBnZXFOajhnTk1lQkZOdkRMZE5VcFo2VXpEVl8wQnlZUjVOUVV3UU1XemtqV21qTDRiMGNvcXlNYlZpM2ZPX0FaQ05kZWNNS0hPOXlmWXZkRzNiQzd6WlduVkJtV3R1ekZOdVR3?oc=5) · stocktitan.net
- 2026-08-03 [Coastal Community Bank Named Best Bank in Best of Stanwood-Camano 2026 While Continuing Strong Community Impact - The Manila Times](https://news.google.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?oc=5) · The Manila Times
- 2026-08-03 [Evolve Bank’s Asset-Sale Talks End Without a Deal - Arkansas Business](https://news.google.com/rss/articles/CBMijwFBVV95cUxOZlBubHNtMHlfTk15QVpqWHJXSDlMS1RYZW5hb0FBa1FjZWZBdTVBSlpReHd1NS1JN1hxUGRFYlBDdE91aTAzb1ROYVloUW9Ib0lmeHpDc0FXS3NTOGZ5OTRaMk9VcF9RNjUweVRHYlNoSzl4VlBNZlRJOWtCWHQtTk1SOUhzcmxRQnB2blUxRQ?oc=5) · Arkansas Business

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34403 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/35.json (key "34403", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide