CCB director receives 1,474-share restricted stock grant

Lane Thomas D reported acquisition or exercise transactions in this Form 4 filing.

Rhea-AI Filing Summary

Lane Thomas D reported acquisition or exercise transactions in this Form 4 filing.

COASTAL FINANCIAL CORP director Lane Thomas D received a grant of 1,474 shares of Common Stock as restricted stock. The award was granted at no cash price under the Coastal Financial Corporation 2018 Omnibus Incentive Plan and is compensation-related rather than an open-market purchase.

These restricted shares are scheduled to vest one day prior to the issuer's 2027 Annual Shareholder Meeting. Following the grant, Lane Thomas D directly holds 85,306 shares of Common Stock, with additional indirect holdings reported through blind trust accounts and for a child.

Insider Trade Summary

Grant/Award: 1,474 shares

Grant/Award 3 txns

Insider Lane Thomas D

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	1,474	$0.00	$0.00
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 85,306 shares (Direct); Common Stock — 110 shares (Indirect, Child); Common Stock — 54,280 shares (Indirect, Blind trust accounts)

Footnotes (1)

1. F1. Restricted stock granted pursuant to the Coastal Financial Corporation 2018 Omnibus Incentive Plan which vests one day prior to the issuer's 2027 Annual Shareholder Meeting.

Key Figures

Restricted stock grant: 1,474 shares Grant price: $0.00 per share Direct holdings after grant: 85,306 shares +3 more

6 metrics

Restricted stock grant 1,474 shares Common Stock award under 2018 Omnibus Incentive Plan

Grant price $0.00 per share Stated price for restricted stock grant

Direct holdings after grant 85,306 shares Common Stock directly owned following transaction

Blind trust indirect holdings 54,280 shares Common Stock held in blind trust accounts

Child indirect holdings 110 shares Common Stock held for a child

Vesting timing One day before 2027 meeting Restricted stock vests before 2027 Annual Shareholder Meeting

Key Terms

Restricted stock, 2018 Omnibus Incentive Plan, Blind trust accounts, Annual Shareholder Meeting

4 terms

Restricted stock financial

"Restricted stock granted pursuant to the Coastal Financial Corporation 2018 Omnibus Incentive Plan"

Shares granted to an individual that carry limits on transfer or sale until certain conditions are met, such as staying with the company for a set time or hitting performance targets. Think of them as a locked gift that gradually opens; for investors they matter because they affect how many shares may enter the market later, signal management incentives and potential dilution, and reveal confidence in future company performance.

2018 Omnibus Incentive Plan financial

"Restricted stock granted pursuant to the Coastal Financial Corporation 2018 Omnibus Incentive Plan"

Blind trust accounts financial

"nature_of_ownership: "Blind trust accounts""

Annual Shareholder Meeting financial

"which vests one day prior to the issuer's 2027 Annual Shareholder Meeting"

A yearly gathering where a company’s owners (shareholders) and its leaders meet to review performance, approve key decisions like electing directors, and vote on issues such as executive pay or major policy changes. Think of it as an annual town hall for people who own part of the business: investors use it to ask questions, influence direction through votes, and gauge management’s plans and transparency, all of which can affect the stock’s outlook.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What insider transaction did CCB director Lane Thomas D report on this Form 4?

Lane Thomas D reported receiving a grant of 1,474 shares of Coastal Financial Corp common stock as restricted stock. The award is a compensation-related grant under the company’s 2018 Omnibus Incentive Plan, not an open-market purchase or sale of shares.

At what price were the 1,474 CCB restricted shares granted to Lane Thomas D?

The 1,474 restricted shares were granted at a stated price of $0.00 per share. This reflects a stock-based compensation award, where value comes from future share ownership rather than a cash outlay by the director at the time of grant.

When do Lane Thomas D’s newly granted CCB restricted shares vest?

The restricted stock vests one day prior to Coastal Financial Corp’s 2027 Annual Shareholder Meeting. Vesting means the director’s rights to the shares fully mature at that time, subject to the plan’s terms and any continued service requirements.

How many CCB shares does Lane Thomas D own directly after this Form 4 grant?

After the 1,474-share restricted stock grant, Lane Thomas D directly holds 85,306 shares of Coastal Financial Corp common stock. This direct position is in addition to separate indirect holdings reported through blind trust accounts and for a child.

What indirect CCB shareholdings are reported for Lane Thomas D?

Indirect holdings include 54,280 shares of Coastal Financial Corp common stock held in blind trust accounts and 110 shares held for a child. These positions are reported as indirect ownership interests distinct from the director’s directly held 85,306-share position.

Is the reported CCB Form 4 transaction a market buy or sell of shares?

No, the Form 4 shows a grant of 1,474 restricted shares as compensation, not a market transaction. The grant was awarded at a stated price of $0.00 per share under the company’s 2018 Omnibus Incentive Plan.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 05/28/2026 - 06:46 PM Learn about SEC filing dates

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Lane Thomas D

(Last) (First) (Middle)

C/O 5415 EVERGREEN WAY

(Street)

EVERETT WASHINGTON 98203

(City) (State) (Zip)

UNITED STATES

(Country)

2. Issuer Name and Ticker or Trading Symbol
COASTAL FINANCIAL CORP [ CCB ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
05/26/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

4. If Amendment, Date of Original Filed (Month/Day/Year)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	05/26/2026		A		1,474(1)	A	$0	85,306	D
Common Stock								110	I	Child
Common Stock								54,280	I	Blind trust accounts

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Restricted stock granted pursuant to the Coastal Financial Corporation 2018 Omnibus Incentive Plan which vests one day prior to the issuer's 2027 Annual Shareholder Meeting.

Remarks:

	/s/ Melisa Nelson, as Attorney-in-fact	05/28/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)