| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 34,350 | 20,758 |
| Provision for credit losses | 144,590 | 87,992 |
| Depreciation and amortization | 4,821 | 3,221 |
| Increase in operating lease right-of-use assets | 647 | 430 |
| Increase in operating lease liabilities | 658 | 437 |
| Net amortization on investment securities | -14 | -13 |
| Unrealized holding loss (gain) on equity investment, net | -414 | -423 |
| Stock-based compensation | 4,584 | 4,534 |
| Increase in bank-owned life insurance value | 384 | 255 |
| Deferred tax expense | 4,399 | -228 |
| Net change in ccbx receivable | 2,122 | -1,129 |
| Net change in ccbx credit enhancement asset | -4,149 | -14,111 |
| Net change in ccbx payable | 2,050 | 3,768 |
| Net change in other assets and liabilities | 91 | -2,261 |
| Total adjustments | 162,413 | 116,962 |
| Net cash provided by operating activities | 196,763 | 137,720 |
| Change in other investments, net | 2,392 | 2,144 |
| Proceeds from sales of loans held for sale | - | 2,044,298 |
| Principal paydowns of investment securities available-for-sale | 5 | 3 |
| Principal paydowns of investment securities held-to-maturity | 3,361 | 1,729 |
| Purchase of loans | - | 0 |
| Maturities and calls of investment securities available-for-sale | 0 | 0 |
| Purchase of bank owned life insurance | 18 | 18 |
| Proceeds from sales of loans held for sale | 3,661,886 | - |
| Purchase of loans | -11,199 | - |
| Increase in loans receivable, net | 4,059,421 | 2,235,451 |
| Purchases of premises and equipment, net | 6,507 | 4,842 |
| Net cash used by investing activities | -391,887 | -196,425 |
| Net increase in demand deposits, money market, and savings | 391,576 | 331,828 |
| Net decrease in time deposits | -4,345 | -3,589 |
| Proceeds from exercise of stock options, net of shares withheld to cover | 48 | 21 |
| Net cash for shares held to cover on restricted stock vesting | 2,482 | 2,381 |
| Proceeds from public offering, expense true-up | 72 | 72 |
| Net cash provided by financing activities | 384,869 | 325,951 |
| Net change in cash, due from banks and restricted cash | 189,745 | 267,246 |
| Cash and cash equivalents at beginning of period | 452,513 | - |
| Cash and cash equivalents at end of period | 642,258 | - |
COASTAL FINANCIAL CORP (CCB)
COASTAL FINANCIAL CORP (CCB)