Coastal Community Bank (FDIC #34403): Bank Stress & Real-Estate Credit Exposure

Coastal Community Bank (FDIC Cert #34403): bank stress 94/100, severe, STABLE over 7 days; parent COASTAL FINANCIAL CORP (CCB).

Coastal Community Bank (#34403) lends in 3 counties across 1 state; Coastal Community Bank (#34403) reaches 124 ZIP codes: Washington 3 counties, 124 ZIPs.

Coastal Community Bank (#34403) largest markets: King County, WA (89 branches, 89 ZIPs) (#34403), Snohomish County, WA (360 branches, 30 ZIPs) (#34403), Island County, WA (8 branches, 8 ZIPs) (#34403).

Coastal Community Bank (#34403) reports $5.45 billion in total assets; Coastal Community Bank (#34403) equity $467.5 million (8.6% of Coastal Community Bank (#34403) assets); Coastal Community Bank (#34403) domestic deposits $4.90 billion; Coastal Community Bank (#34403) net income minus $29.1 million; Coastal Community Bank (#34403) return on assets -1.10%; Coastal Community Bank (#34403) return on equity -11.91%; Coastal Community Bank (#34403) net interest income $173.4 million; Coastal Community Bank (#34403) call report June 30, 2026.

Coastal Community Bank (#34403) noncurrent real-estate loans 0.22% of its book; Coastal Community Bank (#34403) net charge-offs on real estate 0.36%; Coastal Community Bank (#34403) residential charge-offs 0.46%.

Coastal Community Bank (#34403) net interest margin 7.02% against an eight-quarter Coastal Community Bank (#34403) average of 7.43% (Coastal Community Bank (#34403) compression 0.41 points); Coastal Community Bank (#34403) real-estate loans 21.7% of equity; Coastal Community Bank (#34403) non-residential real estate 46.0% of equity; Coastal Community Bank (#34403) rate-exposure score 40/100, Coastal Community Bank (#34403) fixed-rate trap 40/100; Coastal Community Bank (#34403) risk type credit driven; Coastal Community Bank (#34403) rate regime rates elevated; Coastal Community Bank (#34403) shares 64.7% below the 52-week high, Coastal Community Bank (#34403) equity trend drawdown, Coastal Community Bank (#34403) snapshot October 19, 2026.

Coastal Community Bank (#34403) stress score moved from 73.5 on June 22, 2026 to 94.3 on October 19, 2026; Coastal Community Bank (#34403) ranged 73.5 to 94.3 over 116 snapshots.

Coastal Community Bank (#34403) alerts: 3 counties; top Coastal Community Bank (#34403) alert scores: Camano Island County, WA 30 (low); Sultan County, WA 30 (low); Woodinville County, WA 30 (low).