Coastal Financial (CCB) furnishes Q4 2025 earnings press release

Rhea-AI Filing Summary

Coastal Financial Corporation filed a current report to furnish a press release announcing its results of operations and financial condition for the fiscal quarter ended December 31, 2025. The press release is included as Exhibit 99.1 and is treated as furnished, not filed, under securities law rules.

8-K Event Classification

2 items: 2.02, 9.01

2 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Understanding 8-K Material Events →

0001437958FALSE00014379582026-01-292026-01-29

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, DC 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported):  January 29, 2026

COASTAL FINANCIAL CORPORATION

(Exact name of registrant as specified in its charter)

Washington

001-38589

56-2392007

(State or other jurisdiction of incorporation)

(Commission File Number)

(IRS Employer Identification No.)

5415 Evergreen Way, Everett, Washington 98203

(Address of principal executive offices, including zip code)

Registrant’s telephone number, including area code:  (425) 257-9000

Not Applicable

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐			Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐			Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐			Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐			Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class			Trading Symbol(s)			Name of each exchange on which registered
Common stock, no par value per share			CCB			The Nasdaq Stock Market LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company    ⃞

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.   ⃞

Item 2.02    Results of Operations and Financial Condition

On January 29, 2026 Coastal Financial Corporation (the “Company”) issued a press release announcing its results of operations and financial condition for the fiscal quarter ended December 31, 2025 (the “Press Release”). The Press Release is “furnished” as Exhibit 99.1 to this Current Report on Form 8-K pursuant to General Instruction B.2 of Form 8-K and the information provided in Item 2.02 of this report, including Exhibit 99.1, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities under that Section. The information provided in Item 2.02 of this report, including Exhibit 99.1, shall not be deemed incorporated by reference into any filings the Company has made or may make under the Securities Act of 1933, as amended, or the Exchange Act, except as otherwise expressly stated in such filing.

Item 9.01    Financial Statements and Exhibits

Exhibits

Number						Description
99.1						Press Release, dated January 29, 2026
104						Cover Page Interactive Data File (Embedded within the Inline XBRL document)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

			COASTAL FINANCIAL CORPORATION
Date: January 29, 2026			By:			/s/ Brandon J. Soto
						Brandon J. Soto
						Executive Vice President and Chief Financial Officer

FAQ

What did Coastal Financial Corporation (CCB) disclose in this 8-K?

Coastal Financial Corporation furnished a press release announcing its results of operations and financial condition for the fiscal quarter ended December 31, 2025, attaching the release as Exhibit 99.1.

Which period’s results does Coastal Financial Corporation’s press release cover?

The press release furnished by Coastal Financial Corporation covers its results of operations and financial condition for the fiscal quarter ended December 31, 2025, providing an update on its recent financial performance.

How is the Coastal Financial Corporation press release treated under securities laws?

The press release is furnished under Item 2.02 and General Instruction B.2, meaning it is not deemed filed for purposes of Section 18 of the Exchange Act or automatically incorporated into other securities filings.

What exhibits are included with Coastal Financial Corporation’s 8-K filing?

The filing includes Exhibit 99.1, a press release dated January 29, 2026, and Exhibit 104, the Cover Page Interactive Data File embedded within the Inline XBRL document, supporting electronic disclosure.

Who signed the Coastal Financial Corporation 8-K report?

The 8-K report was signed on behalf of Coastal Financial Corporation by Brandon J. Soto, who serves as Executive Vice President and Chief Financial Officer, acting as the duly authorized officer.

Is the Coastal Financial Corporation press release incorporated into other SEC filings?

The company states that the information in Item 2.02, including Exhibit 99.1, is not incorporated by reference into its Securities Act or Exchange Act filings unless expressly stated in a specific filing.