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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, DC 20549

FORM 10-Q

(Mark one)


x			QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the quarterly period ended March 31, 2026


o			TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the transition period from _______________ to _______________

Commission file number: 001-38589

COASTAL FINANCIAL CORPORATION

(Exact name of registrant as specified in its charter)


Washington			56-2392007
(State or other jurisdiction of incorporation or organization)			(I.R.S. Employer Identification No.)

5415 Evergreen Way, Everett, Washington			98203
(Address of principal executive offices)			(Zip Code)


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

Not Applicable
(Former name, former address and former fiscal year, if changed since last report)

_________________________________________________________________________________________________

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	Nasdaq Global Select Market

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes x No o

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§ 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). Yes x No o

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company” and emerging growth company in Rule 12b-2 of the Exchange Act.


Large Accelerated Filer	x	Accelerated Filer	o
Non-Accelerated Filer	o	Smaller Reporting Company	o
		Emerging Growth Company	o

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 ☐

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes o No x

As of May 4, 2026, there were 15,248,808 shares of the issuer’s common stock outstanding.

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COASTAL FINANCIAL CORPORATION

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		Page No.
Part I. Financial Information

Item 1.	Condensed Consolidated Financial Statements (unaudited)	4

	Condensed Consolidated Balance Sheets as of March 31, 2026 and December 31, 2025 (unaudited)	5

	Condensed Consolidated Statements of Income for the Three Months Ended March 31, 2026 and 2025 (unaudited)	6

	Condensed Consolidated Statements of Comprehensive Income for the Three Months Ended March 31, 2026 and 2025 (unaudited)	7

	Condensed Consolidated Statements of Changes in Shareholders’ Equity for the Three Months Ended March 31, 2026 and 2025 (unaudited)	8

	Condensed Consolidated Statements of Cash Flows for the Three Months Ended March 31, 2026 and 2025 (unaudited)	9

	Notes to Condensed Consolidated Financial Statements (unaudited)	10

Item 2.	Management’s Discussion and Analysis of Financial Condition and Results of Operations	52

Item 3.	Quantitative and Qualitative Disclosures About Market Risk	97

Item 4.	Controls and Procedures	99

Part II. Other Information

Item 1.	Legal Proceedings	100

Item 1A.	Risk Factors	100

Item 2.	Unregistered Sales of Equity Securities and Use of Proceeds	100

Item 3.	Defaults Upon Senior Securities	100

Item 4.	Mine Safety Disclosures	100

Item 5.	Other Information	100

Item 6.	Exhibits	101

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Forward-Looking Statements

This report may contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements reflect our current views with respect to, among other things, future events and our financial performance. Any statements about our management’s expectations, beliefs, plans, predictions, forecasts, objectives, assumptions or future events or performance are not historical facts and may be forward-looking. These statements are often, but not always, made through the use of words or phrases such as “anticipate,” “believes,” “can,” “could,” “may,” “predicts,” “potential,” “should,” “will,” “estimate,” “plans,” “projects,” “continuing,” “ongoing,” “expects,” “intends” and similar words or phrases. All forward-looking statements, expressed or implied, included herewith are expressly qualified in their entirety by the cautionary statements contained or referred to herein. The inclusion of forward-looking information in this report should not be regarded as a representation by us or any other person that the future plans, estimates or expectations contemplated by us will be achieved. We have based these forward-looking statements largely on our current expectations and projections about future events and financial trends that we believe may affect our financial condition, results of operations, business strategy and financial needs.

Factors that may affect our results are disclosed in “Item 1A. Risk Factors” in Part II of this report and in the section titled “Risk Factors” in our Annual Report on Form 10-K for the year ended December 31, 2025 (“Form 10-K”). Some of the risks and uncertainties that may cause our actual results, performance or achievements to differ materially from those expressed include, but are not limited to, the following: the difficult market conditions and unfavorable economic conditions and uncertainties in the markets in which we operate and in which our loans are concentrated, including declines in housing markets as a result of global macroeconomic and geopolitical events, an increase in unemployment levels and slowdowns in economic growth, including as a result of the prolonged U.S. government shutdown; conflicts in the Middle East and/or changes in U.S. trade policies, including the imposition of tariffs and retaliatory tariffs, may adversely impact our business, financial condition, and results of operations; our expected future financial results; our ability to successfully execute on our strategy for our CCBX segment, CCBX partnerships and our efforts to optimize and strengthen our CCBX balance sheet; the overall health of the local and national real estate market; the impacts related to or resulting from bank failures and mergers and other economic and industry volatility, including potential increased regulatory requirements and costs and potential impacts to macroeconomic conditions; the credit risk associated with our loan portfolio, our level of nonperforming assets and the costs associated with resolving problem loans; business and economic conditions generally and in the financial services industry, nationally and within our market area, particularly in the markets in which we operate and in which our loans are concentrated; the impact on the Company’s operations due to epidemic illnesses, natural or man-made disasters, such as earthquakes, tsunamis, wildfires and flooding, the effects of regional or national civil unrest, wars and acts of terrorism, and political developments that may disrupt or increase volatility in securities or otherwise affect economic conditions; our ability to maintain an adequate level of allowance for credit losses; our ability to successfully manage liquidity risk; our ability to implement our growth strategy and manage costs effectively; the composition of our senior leadership team and our ability to attract and retain key personnel; our ability to raise additional capital to implement our business plan; changes in market interest rates and impacts of such changes on our profits and business; the occurrence of fraudulent activity, breaches or failures of our information security controls or cybersecurity-related incidents; interruptions involving our information technology and telecommunications systems or third-party servicers; our ability to maintain our reputation; increased competition in the financial services industry; regulatory guidance on commercial lending concentrations; our relationship with digital financial service providers; the effectiveness of our risk management framework; the costs and obligations associated with being a publicly traded company and other unanticipated costs that we may experience; the commencement and outcome of litigation and other legal proceedings and regulatory actions against us or to which we may become subject; the extensive regulatory framework that applies to us; the impact of recent and future legislative and regulatory changes and economic stimulus programs; and other changes in banking, securities and tax laws and regulations, and their application by our regulators; the impact on our operations due to epidemic illnesses, natural or man-made disasters, such as wildfires, the effects of regional or national civil unrest, and political developments that may disrupt or increase volatility in securities or otherwise affect economic conditions; fluctuations in the value of the securities held in our securities portfolio; governmental monetary and fiscal policies; material weaknesses in our internal control over financial reporting; and our success at managing the risks involved in the foregoing items.

The foregoing factors should not be construed as exhaustive and should be read together with the other cautionary statements included in this report. If one or more events related to these or other risks or uncertainties materialize, or if our underlying assumptions prove to be incorrect, actual results may differ materially from what we anticipate. You are cautioned not to place undue reliance on forward-looking statements. Further, any forward-looking statement speaks only as of the date on which it is made and we undertake no obligation to update or revise any forward-looking statement to reflect events or circumstances after the date on which the statement is made or to reflect the occurrence of unanticipated events, except as required by law.

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PART I. FINANCIAL INFORMATION

Item 1. Financial Statements

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COASTAL FINANCIAL CORPORATION AND SUBSIDIARIES CONDENSED CONSOLIDATED BALANCE SHEETS (UNAUDITED)
(dollars in thousands)


ASSETS
	March 31, 2026		December 31, 2025
Cash and due from banks	$	52,695	$	34,241
Interest earning deposits with other banks	1,442,772		702,729
Investment securities, available-for-sale, at fair value	28		29
Investment securities, held-to-maturity, at amortized cost	46,141		48,218
Other investments	14,023		12,837
Loans held for sale	124,039		71,216
Loans receivable	3,859,379		3,749,531
Allowance for credit losses	(172,427)		(169,530)
Total loans receivable, net	3,686,952		3,580,001
CCBX credit enhancement asset	180,587		177,657
CCBX receivable	24,926		23,047
Premises and equipment, net	29,710		29,325
Lease right-of-use assets	4,641		4,821
Accrued interest receivable	20,139		18,613
Bank-owned life insurance, net	14,044		13,910

Intangible assets, net	4,434		4,536
Other assets	18,698		20,257
Total assets	$	5,663,829	$	4,741,437

LIABILITIES AND SHAREHOLDERS’ EQUITY
LIABILITIES
Deposits	$	5,041,164	$	4,144,199

Subordinated debt, net
Principal amount $45,000 (less unamortized debt issuance costs of $520 and $557) at March 31, 2026 and December 31, 2025, respectively	44,480		44,443
Junior subordinated debentures, net
Principal amount $3,609 (less unamortized debt issuance costs of $15 and $16 at March 31, 2026 and December 31, 2025, respectively)	3,594		3,593
Deferred compensation	251		267
Accrued interest payable	2,665		1,435
Lease liabilities	4,799		4,984
CCBX payable	28,410		27,492
Deferred tax liability, net	1,656		853
Other liabilities	33,048		23,212
Total liabilities	5,160,067		4,250,478
SHAREHOLDERS’ EQUITY
Preferred stock, no par value:
Authorized: 25,000,000 shares at March 31, 2026 and December 31, 2025; issued and outstanding: zero shares at March 31, 2026 and December 31, 2025	—		—
Common stock, no par value:
Authorized: 300,000,000 shares at March 31, 2026 and December 31, 2025; 15,241,491 shares at March 31, 2026 issued and outstanding and 15,140,192 shares at December 31, 2025 issued and outstanding	234,222		233,438
Retained earnings	269,541		257,522
Accumulated other comprehensive loss, net of tax	(1)		(1)
Total shareholders’ equity	503,762		490,959
Total liabilities and shareholders’ equity	$	5,663,829	$	4,741,437

See accompanying Notes to Condensed Consolidated Financial Statements.

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COASTAL FINANCIAL CORPORATION AND SUBSIDIARIES CONDENSED CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED)
(dollars in thousands, except for per share data)


	Three Months Ended
	March 31,
	2026		2025
INTEREST AND DIVIDEND INCOME
Interest and fees on loans	$	102,887	$	98,147
Interest on interest earning deposits with other banks	8,128		6,070
Interest on investment securities	622		650
Dividends on other investments	44		40
Total interest income	111,681		104,907
INTEREST EXPENSE
Interest on deposits	27,670		28,185
Interest on borrowed funds	654		660
Total interest expense	28,324		28,845
Net interest income	83,357		76,062
PROVISION FOR CREDIT LOSSES	51,398		55,781
Net interest income (expense) after provision for credit losses	31,959		20,281
NONINTEREST INCOME
Service charges and fees	850		860



Unrealized gain (loss) on equity securities, net	126		16

Other income	410		682
Noninterest income, excluding BaaS program income and BaaS indemnification income	1,386		1,558
Servicing and other BaaS fees	2,623		1,419
Transaction and interchange fees	5,873		3,833

Reimbursement of expenses	2,392		1,026
BaaS program income	10,888		6,278
BaaS credit enhancements	50,744		53,648
BaaS fraud enhancements	3,059		1,993
BaaS indemnification income	53,803		55,641
Total noninterest income	66,077		63,477
NONINTEREST EXPENSE
Salaries and employee benefits	23,122		21,532
Occupancy	859		1,034
Data processing and software licenses	7,643		4,232
Legal and professional expenses	7,002		6,488
Point of sale expense	445		107
Excise taxes	1,169		722
Federal Deposit Insurance Corporation ("FDIC") assessments	573		755
Director and staff expenses	668		631
Marketing	38		50
Other expense	1,934		1,938
Noninterest expense, excluding BaaS loan and BaaS fraud expense	43,453		37,489
BaaS loan expense	36,940		32,507
BaaS fraud expense	3,059		1,993
BaaS loan and fraud expense	39,999		34,500
Total noninterest expense	83,452		71,989
Income before provision for income taxes	14,584		11,769
PROVISION FOR INCOME TAXES	2,565		2,039
NET INCOME	$	12,019	$	9,730
Basic earnings per common share	$	0.79	$	0.65
Diluted earnings per common share	$	0.78	$	0.63
Weighted average number of common shares outstanding:
Basic	15,179,447		14,962,507
Diluted	15,422,822		15,462,041

See accompanying Notes to Condensed Consolidated Financial Statements.

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COASTAL FINANCIAL CORPORATION AND SUBSIDIARIES CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (UNAUDITED)
(dollars in thousands)


	Three Months Ended March 31,
	2026		2025
NET INCOME	$	12,019	$	9,730
OTHER COMPREHENSIVE INCOME (LOSS), before tax
Securities available-for-sale

Income tax expense related to unrealized holding gain/(loss)	—		1
OTHER COMPREHENSIVE INCOME, net of tax	—		1
COMPREHENSIVE INCOME	$	12,019	$	9,731

See accompanying Notes to Condensed Consolidated Financial Statements.

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COASTAL FINANCIAL CORPORATION AND SUBSIDIARIES CONDENSED CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS’ EQUITY (UNAUDITED)
(dollars in thousands)


	Shares of Common Stock	Amount of Common Stock		Retained Earnings		Accumulated Other Comprehensive Income (Loss)		Total
BALANCE, December 31, 2024	14,935,298	$	228,177	$	210,529	$	(2)	$	438,704
Net income	—	—		9,730		—		9,730


Vesting of restricted stock units, net of 11,291 shares held to cover for taxes	55,571	(970)		—		—		(970)

Exercise of stock options, net of 4,066 shares held to cover for taxes	18,356	(160)		—		—		(160)
Stock-based compensation	—	2,540		—		—		2,540
Stock issuance and net proceeds from public offering	—	72		—		—		72
Other comprehensive loss, net of tax	—	—		—		1		1
BALANCE, March 31, 2025	15,009,225	$	229,659	$	220,259	$	(1)	$	449,917











BALANCE, December 31, 2025	15,140,192	$	233,438	$	257,522	$	(1)	$	490,959
Net income	—	—		12,019		—		12,019

Vesting of restricted stock units, net of 11,071 shares held to cover for taxes	55,767	(1,156)		—		—		(1,156)
Exercise of stock options, net of 4,764 shares held to cover for exercise and taxes	45,532	(61)		—		—		(61)
Stock-based compensation	—	2,001		—		—		2,001


BALANCE, March 31, 2026	15,241,491	$	234,222	$	269,541	$	(1)	$	503,762

See accompanying Notes to Condensed Consolidated Financial Statements.

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COASTAL FINANCIAL CORPORATION AND SUBSIDIARIES CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED)
(dollars in thousands)


	Three Months Ended March 31,
	2026		2025
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$	12,019	$	9,730
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	51,398		55,781
Depreciation and amortization	1,673		1,554
Loss on disposition of fixed assets	11		—
Decrease in operating lease right-of-use assets	269		204
Decrease in operating lease liabilities	(274)		(207)


Net amortization on investment securities	18		3
Unrealized holding loss (gain) on equity investment, net	(126)		(16)
Stock-based compensation	2,000		2,540

Increase in bank-owned life insurance value	(134)		(126)
Deferred tax expense	803		(311)
Net change in CCBX receivable	(1,879)		1,453
Net change in CCBX credit enhancement asset	(2,930)		(1,487)
Net change in CCBX payable	918		220
Net change in other assets and liabilities	12,208		2,346
Total adjustments	63,955		61,954
Net cash provided by operating activities	75,974		71,684
CASH FLOWS FROM INVESTING ACTIVITIES



Net increase in FRB and FHLB securities	(470)		—
Change in equity investments, net	(590)		(1,773)
Principal paydowns of investment securities available-for-sale	1		1
Principal paydowns of investment securities held-to-maturity	2,059		326

Purchase of intangible assets	(125)		—

Proceeds from sales of loans held for sale	3,278,965		744,618

Purchase of loans	16,080		—
Purchase of loan participations	9		—
Increase in loans receivable, net	(3,507,313)		(845,144)

Purchases of premises and equipment, net	(1,841)		(2,762)
Net cash used by investing activities	(213,225)		(104,734)
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase in demand deposits, money market, and savings	897,056		207,737
Net decrease in time deposits	(91)		(1,840)




Proceeds from exercise of stock options, net of shares withheld to cover	(61)		(160)
Net cash for shares held to cover on restricted stock vesting	(1,156)		(970)
Proceeds from public offering, expense true-up	—		72
Net cash provided by financing activities	895,748		204,839
NET CHANGE IN CASH, DUE FROM BANKS AND RESTRICTED CASH	758,497		171,789
CASH, DUE FROM BANKS AND RESTRICTED CASH, beginning of year	736,970		452,513
CASH, DUE FROM BANKS AND RESTRICTED CASH, end of quarter	$	1,495,467	$	624,302
SUPPLEMENTAL SCHEDULE OF OPERATING AND INVESTING ACTIVITIES
Interest paid	$	27,094	$	28,700
Income taxes paid	8		105
SUPPLEMENTAL SCHEDULE OF NONCASH TRANSACTIONS


Lease liabilities arising from obtaining right-of-use assets	$	89	$	102
Non-cash investing and financing activities:
Transfer from loans to loans held for sale	$	3,331,789	$	766,149

See accompanying Notes to Condensed Consolidated Financial Statements.

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COASTAL FINANCIAL CORPORATION AND SUBSIDIARIES NOTES TO CONDENSED CONSOLIDATED FINANCIAL STATEMENTS (UNAUDITED)

Note 1 - Description of Business and Summary of Significant Accounting Policies

Nature of operations - Coastal Financial Corporation (“Corporation” or “Company”) is a registered bank holding company whose wholly owned subsidiaries are Coastal Community Bank (“Bank”) and Arlington Olympic LLC (“LLC”). The Company is a Washington state corporation that was organized in 2003. The Bank was incorporated and commenced operations in 1997 and is a Washington state-chartered commercial bank that is a member bank of the Federal Reserve system. The LLC was formed in 2019 and owns the Company’s Arlington branch site, which the Bank leases from the LLC.

The Company operates through the Bank and is headquartered in Everett, Washington, which by population is the largest city in Snohomish County. The Company’s business is conducted through three reportable segments: The community bank, CCBX and treasury & administration. The primary focus of the community bank is on providing a wide range of banking products and services to consumers and small to medium sized businesses in the broader Puget Sound region in the state of Washington and through the Internet and our mobile banking application. We currently operate 14 full-service banking locations, 12 of which are located in Snohomish County, where we are the largest community bank by deposit market share, and two of which are located in neighboring counties (one in King County and one in Island County). We also have a loan production office which is located in King county. The CCBX segment provides banking as a service (“BaaS”) that allows digital financial service providers, companies and brands to offer their customers banking services. The CCBX segment had a total of 30 partners, at varying stages as of March 31, 2026. The treasury & administration segment includes investments, debt and other reporting items that are not specific to the community bank or CCBX segments.

The Bank’s deposits are insured in whole or in part by the Federal Deposit Insurance Corporation (“FDIC”). The community bank’s loans and deposits are primarily within the greater Puget Sound region, while CCBX loans and deposits are dependent upon the partners' markets. The Bank’s primary funding source is deposits from customers. The Bank is subject to regulation and supervision by the Board of Governors of the Federal Reserve System and the Washington State Department of Financial Institutions Division of Banks. The Federal Reserve also has regulatory and supervisory authority over the Company.

Financial statement presentation - The accompanying unaudited interim condensed consolidated financial statements have been prepared in accordance with U.S. generally accepted accounting principles (“GAAP”) for interim reporting requirements and with instructions to Form 10-Q and Article 10 of Regulation S-X, and therefore do not include all the information and notes included in the annual consolidated financial statements in conformity with GAAP. These interim condensed consolidated financial statements and accompanying notes should be read in conjunction with the Company’s audited consolidated financial statements and accompanying notes included in the Company’s Annual report on Form 10-K as filed with the U.S. Securities and Exchange Commission (“SEC”) on February 27, 2026. Operating results for the three months ended March 31, 2026 are not necessarily indicative of the results that may be expected for the entire year.

Amounts presented in the consolidated financial statements and footnote tables are rounded and presented in thousands of dollars except per-share amounts, which are presented in dollars. In the narrative footnote discussion, amounts are rounded to thousands and presented in dollars.

In management’s opinion, all accounting adjustments necessary to accurately reflect the financial position and results of operations on the accompanying consolidated financial statements have been made. These adjustments include normal and recurring accruals considered necessary for a fair and accurate presentation.

Principles of consolidation - The consolidated financial statements include the accounts of the Company, the Bank and the LLC. All significant intercompany accounts have been eliminated in consolidation.

Estimates - The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Management believes that its critical accounting policies include determining the allowance for credit losses, the valuation

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of the Company’s deferred tax assets, and fair value of financial instruments. Actual results could differ significantly from those estimates.

Subsequent Events - The Company has evaluated events and transactions subsequent to March 31, 2026 for potential recognition or disclosure. Other than as described below, there were no material subsequent events requiring recognition or disclosure in the consolidated financial statements.

Subsequent to March 31, 2026, the Bank entered into a non-binding term sheet with Evolve Bank & Trust (“Evolve”) to explore the potential acquisition of certain banking-as-a-service programs currently overseen and operated by Evolve. The Bank intends to conduct due diligence and, together with Evolve, may negotiate definitive agreements with respect to selected programs. Any potential transaction would be subject to, among other things, the execution of definitive agreements, receipt of required regulatory approvals, and satisfaction of customary closing conditions.

Reclassifications - Certain amounts reported in prior quarters' consolidated financial statements may have been reclassified to conform to the current presentation with no effect on stockholders’ equity or net income.

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Note 2 - Recent accounting standards

Recent Accounting Guidance

In November 2023, the FASB issued ASU 2023-07, Income Statement—Reporting Comprehensive Income (Subtopic 220-40): Disaggregation of Income Statement Expenses, which requires enhanced disclosures about the nature of expenses included in income statement line items to improve transparency and comparability. This ASU is effective for fiscal years beginning after December 15, 2026, and interim periods within those fiscal years, with early adoption permitted. The Company is evaluating the impact of this standard on its disclosures.

In December 2023, the FASB issued ASU 2023-09, Income Taxes (Topic 740): Improvements to Income Tax Disclosures, which enhances the transparency of income tax disclosures by requiring more detailed information about income tax expense, cash taxes paid, and the effective tax rate reconciliation. This ASU is effective for fiscal years beginning after December 15, 2024, and interim periods within those fiscal years and was implemented by the Company as of the fiscal year ended December 31, 2025. The adoption of ASU 2023-09 did not have a material impact on the Company’s consolidated financial statements but resulted in enhanced income tax disclosures.

In March 2025, the FASB issued ASU 2025-05, Financial Instruments—Credit Losses (Topic 326): Measurement of Credit Losses for Accounts Receivable and Contract Assets, which simplifies the measurement of expected credit losses for certain financial assets by providing a practical expedient and additional guidance on applying CECL to short-term receivables. This ASU is effective for fiscal years beginning after December 15, 2025, and interim periods within those fiscal years, with early adoption permitted. This standard did not have a material impact on the Company's consolidated financial statements.

In September 2025, the FASB issued ASU 2025-06, Internal-Use Software (Subtopic 350-40): Targeted Improvements to the Accounting for Internal-Use Software, which modernizes and clarifies guidance on capitalization of internal-use software costs (including software developed using iterative methods) and related presentation/disclosure considerations. This ASU is effective for annual reporting periods beginning after December 15, 2027, and interim periods within those fiscal years, with early adoption permitted. The Company is evaluating the impact of this standard on its capitalization policies and disclosures.

In November 2025, the FASB issued ASU 2025-08, Financial Instruments—Credit Losses (Topic 326): Purchased Loans, which expands and clarifies acquisition-date accounting for certain purchased loans under CECL, including use of a gross-up approach for specified acquired loans. This ASU is effective for annual reporting periods beginning after December 15, 2026, and interim periods within those fiscal years, with early adoption permitted. The Company is evaluating the impact of this standard on its accounting for acquired loans and related disclosures.

In November 2025, the FASB issued ASU 2025-11, Interim Reporting (Topic 270): Narrow-Scope Improvements, to clarify and improve the guidance related to interim financial reporting. The ASU enhances the structure and navigability of Topic 270 by consolidating and organizing interim disclosure requirements and clarifying their applicability to entities that issue interim financial statements in accordance with U.S. GAAP. The amendments also introduce a disclosure principle requiring entities to disclose material events and changes that occur after the most recent annual reporting period. The ASU does not significantly expand existing disclosure requirements but is intended to improve transparency and consistency in interim reporting. This ASU is effective for interim reporting periods in fiscal years beginning after December 15, 2027, and early adoption is permitted. The Company is currently evaluating the impact of the adoption of this standard on its consolidated financial statements.

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Note 3 - Investment Securities

The following tables summarize the amortized cost, fair value, and allowance for credit losses and the corresponding amounts of gross unrealized gains and losses of available-for-sale securities recognized in accumulated other comprehensive income (loss) and gross unrecognized gains and losses of held-to-maturity securities:


	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses		Fair Value		Allowance for Credit Losses
	(dollars in thousands; unaudited)
March 31, 2026
Available-for-sale

U.S. Agency collateralized mortgage obligations	$	29	$	—	$	(1)	$	28	$	—


Total available-for-sale securities	29		—		(1)		28		—

Held-to-maturity
U.S. Agency residential mortgage-backed securities	46,141		549		(307)		46,383		—

Total investment securities	$	46,170	$	549	$	(308)	$	46,411	$	—


	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses		Fair Value		Allowance for Credit Losses
	(dollars in thousands; unaudited)
December 31, 2025
Available-for-sale


U.S. Agency collateralized mortgage obligations	$	30	$	—	$	(1)	$	29	$	—


Total available-for-sale securities	30		—		(1)		29		—
Held-to-maturity
U.S. Agency residential mortgage-backed securities	48,218		710		(214)		48,713		—
Total investment securities	$	48,248	$	710	$	(215)	$	48,742	$	—

Accrued interest on available-for-sale securities was less than $1,000 at March 31, 2026 and December 31, 2025, and accrued interest on held-to-maturity securities was $210,000 and $219,000 at March 31, 2026 and December 31, 2025, respectively. Accrued interest on securities is excluded from the balances in the preceding tables of securities receivable, and is included in accrued interest receivable on the Company's consolidated balance sheets.

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The amortized cost and fair value of debt securities at March 31, 2026, by contractual maturity, are shown below. Currently, the portfolio consists of mortgage-backed securities and collateralized mortgage obligations which are not due at a single maturity date. Expected maturities will differ from contractual maturities because issuers or the underlying borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.


	Available-for-Sale				Held-to-Maturity
	Amortized Cost		Fair Value		Amortized Cost		Fair Value
	(dollars in thousands; unaudited)
March 31, 2026




U.S. Agency residential mortgage-backed securities and collateralized mortgage obligations	29		28		46,141		46,383
	$	29	$	28	$	46,141	$	46,383

Investments in debt securities with an amortized cost of $42.2 million and $44.3 million were pledged for borrowing lines at March 31, 2026 and December 31, 2025, respectively.

During the three months ended March 31, 2026, no securities matured and no securities were purchased.

There were no sales of securities during the three months ended March 31, 2026 or 2025.

There were nine securities with a $308,000 unrealized loss as of March 31, 2026. There were eight securities with a $215,000 unrealized loss as of December 31, 2025. The following tables show the investments’ gross unrealized losses and fair values, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position for which an allowance for credit losses has not been recorded:


	Less Than 12 Months				12 Months or Greater				Total
	Fair Value		Gross Unrealized Losses		Fair Value		Gross Unrealized Losses		Fair Value		Gross Unrealized Losses
	(dollars in thousands; unaudited)
March 31, 2026
Available-for-sale

U.S. Agency collateralized mortgage obligations	$	—	$	—	$	28	$	1	$	28	$	1


Total available-for-sale securities	—		—		28		1		28		1
Held-to-maturity
U.S. Agency residential mortgage-backed securities	13,759		220		737		87		14,496		307
Total investment securities	$	13,759	$	220	$	765	$	88	$	14,524	$	308

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	Less Than 12 Months				12 Months or Greater				Total
	Fair Value		Gross Unrealized Losses		Fair Value		Gross Unrealized Losses		Fair Value		Gross Unrealized Losses
	(dollars in thousands; unaudited)
December 31, 2025
Available-for-sale


U.S. Agency collateralized mortgage obligations	$	—	$	—	$	29	$	1	$	29	$	1


Total available-for-sale securities	—		—		29		1		29		1
Held-to-maturity
U.S. Agency residential mortgage-backed securities	5,039		95		8,228		119		13,267		214
Total investment securities	$	5,039	$	95	$	8,257	$	120	$	13,296	$	215

Management has evaluated the above securities and does not believe that any individual unrealized loss as of March 31, 2026 will be recognized into income. Unrealized losses have not been recognized into income because management does not intend to sell and does not expect it will be required to sell the investments. The decline in fair value is largely due to changes in market conditions and interest rates, rather than credit quality. The fair value is expected to recover as the underlying securities in the portfolio approach maturity date and market conditions improve. Management believes there is a high probability of collecting all contractual amounts due, because all of the securities in the portfolio are backed by government agencies or government sponsored enterprises. However, a recovery in value may not occur for some time, if at all, and may be delayed for greater than the a one year time horizon or perhaps even until maturity. Based on management's analysis no allowance for credit losses was required on these securities.

Note 4 - Loans and Allowance for Credit Losses

Loans Held for Sale

During the three months ended March 31, 2026, $3.33 billion in CCBX loans were transferred to loans held for sale, with $3.28 billion in loans sold, $2.63 billion of which was new activity on previously sold credit card receivables. These loans were sold back to partners at par. The Company sells CCBX loans to manage loan portfolio size by partner and by loan category. Partner loan limits are established and documented in the relevant partner agreement. There were $124.0 million loans held for sale as of March 31, 2026 and $71.2 million loans held for sale as of December 31, 2025.

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Loans Held for Investment

The composition of the loan portfolio is as follows as of the periods indicated:


	March 31,		December 31,
	2026		2025
	(dollars in thousands; unaudited)
Community Bank
Commercial and industrial loans	$	235,603	$	224,439
Real estate loans:
Construction, land and land development loans	234,911		222,075
Residential real estate loans	199,185		202,293
Commercial real estate loans	1,300,547		1,285,856
Consumer and other loans:
Other consumer and other loans	11,587		14,072
Gross community bank loans receivable	1,981,833		1,948,735
CCBX
Commercial and industrial loans:
Capital call lines	$	176,384	$	210,480
All other commercial & industrial loans	21,792		19,166
Real estate loans:
Residential real estate loans	266,037		264,059
Consumer and other loans:
Credit cards	693,485		622,681
Other consumer and other loans	726,943		691,708
Gross CCBX loans receivable	1,884,641		1,808,094
Total gross loans receivable	3,866,474		3,756,829
Net deferred origination fees and premiums	(7,095)		(7,298)
Loans receivable	$	3,859,379	$	3,749,531

Accrued interest on loans, which is excluded from the balances in the preceding table of loans receivable, was $18.3 million and $17.9 million at March 31, 2026 and December 31, 2025, respectively, and was included in accrued interest receivable on the Company's consolidated balance sheets. Accrued interest on loans is net of an allowance of $627,000 and $616,000 at March 31, 2026 and December 31, 2025, respectively.

Included in commercial and industrial loans as of March 31, 2026 and December 31, 2025, is $176.4 million and $210.5 million, respectively in capital call lines, provided to venture capital firms through one of our BaaS clients. These loans are secured by the capital call rights and are individually underwritten to the Bank’s credit standards by our BaaS client and the underwriting is reviewed by the Bank on every line/loan.

Consumer and other loans includes overdrafts of $27.5 million and $16.9 million at March 31, 2026 and December 31, 2025, respectively. Community bank overdrafts were $9,000 and $10,000 at March 31, 2026 and December 31, 2025, respectively and CCBX overdrafts were $27.4 million and $16.8 million at March 31, 2026 and December 31, 2025, respectively.

The Company, through the Bank, purchased loans from CCBX partners, at par, through agreements with those CCBX partners, and those loans had a remaining balance of $129.4 million as of March 31, 2026 and $134.9 million as of December 31, 2025. As of March 31, 2026, $127.6 million is included in consumer and other loans and $1.8 million is included in commercial and industrial loans, compared to $132.6 million in consumer and other loans and $2.3 million in commercial and industrial loans as of December 31, 2025.

The Company, through the Bank, at times purchases individual loans at fair value as of the acquisition date. The Company held purchased loans with remaining balances that totaled $4.4 million as of March 31, 2026 and December 31,

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2025. Unamortized premiums on these loans totaled $83,000 and $84,000 as of March 31, 2026 and December 31, 2025, respectively, and are amortized into interest income over the life of the loans. These loans are included in the applicable loan category depending upon the collateral and purpose of the individual loan.

The Company, through the Bank, has purchased participation loans with remaining balances totaling $28.5 million and $26.9 million as of March 31, 2026 and December 31, 2025, respectively. These loans are included in the applicable loan category depending upon the collateral and purpose of the individual loan and are underwritten to the Bank's credit standards.

The balance of SBA and United States Department of Agriculture ("USDA") loans and participations sold and serviced for others totaled $2.3 million and $2.5 million at March 31, 2026 and December 31, 2025, respectively.

The gross balance of Main Street Lending Program (“MSLP”) loans participated and serviced for others, totaled $23.1 million at March 31, 2026 and December 31, 2025, with $1.2 million in MSLP loans on the balance sheet and included in commercial and industrial loans at March 31, 2026 and December 31, 2025. Servicing is retained on the gross balance.

The Company has pledged loans totaling $891.4 million at March 31, 2026 and $895.5 million at December 31, 2025, for borrowing lines at the FHLB and FRB. Loans are pledged to increase and maintain the borrowing capacity of the Bank for liquidity management purposes.

The following is a summary of the Company’s loan portfolio segments:

Commercial and industrial loans – Commercial and industrial loans are secured by business assets including inventory, receivables and machinery and equipment of businesses located generally in the Company’s primary market area and capital calls on venture and investment funds. Loan types include revolving lines of credit, term loans, and loans secured by liquid collateral such as cash deposits or marketable securities. Also included in commercial and industrial loans are loans to other financial institutions. Additionally, the Company issues letters of credit on behalf of its customers. Risk arises primarily due to the difference between expected and actual cash flows of the borrowers. In addition, the recoverability of the Company’s investment in these loans is also dependent on other factors primarily dictated by the type of collateral securing these loans. The fair value of the collateral securing these loans may fluctuate as market conditions change. In the case of loans secured by accounts receivable, the recovery of the Company’s investment is dependent upon the borrower’s ability to collect amounts due from its customers.

As of March 31, 2026, $235.6 million in community bank loans are included in commercial and industrial loans, compared to $224.4 million at December 31, 2025.

As of March 31, 2026, $198.2 million in loans originated through CCBX partners are included in commercial and industrial loans, compared to $229.6 million at December 31, 2025.

As of March 31, 2026, $176.4 million in CCBX capital call lines are included in commercial and industrial loans compared to $210.5 million at December 31, 2025. Capital call lines are provided to venture capital firms. These loans are secured by the capital call rights and are individually underwritten to the Bank’s credit standards and the underwriting is reviewed by the Bank on every line/loan.

Also included in commercial and industrial loans are $21.8 million in unsecured loans originated through CCBX partners as of March 31, 2026, compared to $19.2 million as of December 31, 2025.

Construction, land and land development loans – The Company originates loans for the construction of 1-4 family, multifamily, and CRE properties in the Company’s market area. Construction loans are considered to have higher risks due to construction completion and timing risk, the ultimate repayment being sensitive to interest rate changes, government regulation of real property and the availability of long-term financing. Additionally, economic conditions may impact the Company’s ability to recover its investment in construction loans, as adverse economic conditions may negatively impact the real estate market, which could affect the borrower’s ability to complete and sell the project. Additionally, the fair value of the underlying collateral may fluctuate as market conditions change. The Company occasionally originates land loans for the purpose of facilitating the ultimate construction of a home or commercial building. The primary risks include the borrower’s ability to pay and the inability of the Company to recover its investment due to a material decline in the fair value of the underlying collateral.

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As of March 31, 2026, $234.9 million in community bank loans are included in construction, land and land development loans, compared to $222.1 million at December 31, 2025.

Residential real estate loans – Residential real estate includes various types of loans for which the Company holds real property as collateral. Included in this segment are first and second lien single family loans, occasionally purchased by the Company to diversify its loan portfolio, and rental portfolios secured by one-to-four family homes. The primary risks of residential real estate loans include the borrower’s inability to pay, material decreases in the value of the collateral, and significant increases in interest rates which may make the loan unprofitable.

As of March 31, 2026, $266.0 million in loans originated through CCBX partners are included in residential real estate loans, compared to $264.1 million at December 31, 2025. These home equity lines of credit are secured by residential real estate and are accessed by using a credit card. Home equity lines of credit are classified as residential real estate per regulatory guidelines.

Commercial real estate (includes owner occupied and non-owner occupied) loans – Commercial real estate loans include various types of loans for which the Company holds real property as collateral.

As of March 31, 2026, $1.30 billion in community bank loans are included in commercial real estate loans, compared to $1.29 billion at December 31, 2025.

We have commercial real estate loans totaling $375.5 million that are collateralized by owner-occupied real-estate and $552.0 million that are collateralized by non-owner-occupied real estate, as well as $359.1 million of multi-family residential loans and $14.0 million of farmland loans, as of March 31, 2026, compared to $374.7 million that are collateralized by owner-occupied real-estate and $531.1 million that are collateralized by non-owner-occupied real estate, as well as $367.9 million of multi-family residential loans and $12.2 million of farmland loans as of December 31, 2025. The primary risks of commercial real estate loans include the borrower’s inability to pay, material decreases in the value of the collateralized real estate and significant increases in interest rates, which may make the real estate loan unprofitable. Commercial real estate loans may be more adversely affected by conditions in the real estate markets or in the general economy.

Consumer and other loans – The community bank originates a limited number of consumer loans, generally for banking customers only, which consist primarily of lines of credit, saving account secured loans, and auto loans. CCBX originates consumer loans including credit cards, consumer term loans and secured and unsecured lines of credit. This loan category also includes overdrafts. Repayment of these loans is dependent on the borrower’s ability to pay and the fair value of the underlying collateral.

As of March 31, 2026, $11.6 million in community bank loans are included in consumer and other loans, compared to $14.1 million at December 31, 2025.

As of March 31, 2026, $1.42 billion in CCBX loans are included in consumer and other loans, compared to $1.31 billion at December 31, 2025.

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The following chart breaks out our consumer loan portfolio by segment and type of loan as of March 31, 2026. The largest portion of our consumer portfolio is comprised of CCBX installment loans and credit card loans. These loans are further divided to show the total secured and unsecured amounts in each of these categories. The average overall outstanding consumer loan balance is small at $700.


(dollars in thousands; unaudited)	Outstanding Balance		% of Total Outstanding Balance Consumer Loans		Average Loan Balance		Number of Loans
CCBX consumer loans
Installment loans - cash secured	$	174,036	12.2	%
Installment loans - unsecured	495,508		34.6
Installment loans - total	669,544		46.8		$	0.7	1,026,896
Credit cards - cash secured	398		0.0
Credit cards - unsecured	693,087		48.4
Credit cards - total	693,485		48.4		1.5		456,317
Lines of credit	29,956		2.1		0.1		303,549
Other loans	27,443		1.9		0.1		297,989
Community bank consumer loans
Lines of credit	163		0.0		5.3		31
Installment loans	1,088		0.1		43.5		25
Other loans	10,336		0.7		28.2		366
Total	$	1,432,015	100.0	%	$	0.7	2,085,173

The following chart breaks out our consumer loan portfolio by segment and type of loan as of December 31, 2025. The largest portion of our consumer portfolio is comprised of CCBX installment loans and credit card loans. These loans are further divided to show the total secured and unsecured amounts in each of these categories. The average overall outstanding consumer loan balance is small at $809.


(dollars in thousands; unaudited)	Outstanding Balance		% of Total Outstanding Balance Consumer Loans		Average Loan Balance		Number of Loans
CCBX consumer loans
Installment loans - cash secured	$	162,072	12.2	%
Installment loans - unsecured	502,767		37.8
Installment loans - total	664,839		50.0		$	0.8	864,638
Credit cards - cash secured	56		0.0
Credit cards - unsecured	622,625		46.9
Credit cards - total	622,681		46.9		1.4		435,236
Lines of credit	10,027		0.8		0.1		89,736
Other loans	16,842		1.3		0.1		252,381
Community bank consumer loans
Lines of credit	140		0.0		4.5		31
Installment loans	3,010		0.2		111.5		27
Other loans	10,922		0.8		28.6		382
Total	$	1,328,461	100.0	%	$	0.8	1,642,431

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Past Due and Nonaccrual Loans

The following tables illustrate an age analysis of past due loans as of the dates indicated:


	30-89 Days Past Due		90 Days or More Past Due		Total Past Due		Current		Total Loans		90 Days or More Past Due and Still Accruing
	(dollars in thousands; unaudited)
March 31, 2026
Community Bank
Commercial and industrial loans	$	500	$	94	$	594	$	235,009	$	235,603	$	—
Real estate loans:
Construction, land and land development	—		—		—		234,911		234,911		—
Residential real estate	—		—		—		199,185		199,185		—
Commercial real estate	106		4,344		4,450		1,296,097		1,300,547		—
Consumer and other loans	2		—		2		11,585		11,587		—
Total community bank	$	608	$	4,438	$	5,046	$	1,976,787	$	1,981,833	$	—
CCBX
Commercial and industrial loans:
Capital call lines	$	—	$	—	$	—	$	176,384	$	176,384	$	—
All other commercial & industrial loans	1,005		604		1,609		20,183		21,792		604
Real estate loans:
Residential real estate loans	2,469		2,241		4,710		$	261,327	$	266,037	2,241
Consumer and other loans:
Credit cards	28,977		29,437		58,414		$	635,071	$	693,485	24,149
Other consumer and other loans	47,088		8,238		55,326		671,617		726,943		8,205
Total CCBX	$	79,539	$	40,520	$	120,059	$	1,764,582	$	1,884,641	$	35,199
Total consolidated	$	80,147	$	44,958	$	125,105	$	3,741,369	3,866,474		$	35,199
Less net deferred origination fees and premiums									(7,095)
Loans receivable									$	3,859,379

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	30-89 Days Past Due		90 Days or More Past Due		Total Past Due		Current		Total Loans		90 Days or More Past Due and Still Accruing
	(dollars in thousands; unaudited)
December 31, 2025
Community Bank
Commercial and industrial loans	$	150	$	2,070	$	2,220	$	222,219	$	224,439	$	—
Real estate loans:
Construction, land and land development	—		—		—		222,075		222,075		—
Residential real estate	286		—		286		202,007		202,293		—
Commercial real estate	107		4,344		4,451		1,281,405		1,285,856		—
Consumer and other loans	1		—		1		14,071		14,072		—
Total community bank	$	544	$	6,414	$	6,958	$	1,941,777	$	1,948,735	$	—
CCBX
Commercial and industrial loans:
Capital call lines	$	—	$	—	$	—	$	210,480	$	210,480	$	—
All other commercial & industrial loans	1,075		654		1,729		17,437		19,166		654
Real estate loans:
Residential real estate loans	3,125		1,961		5,086		$	258,973	$	264,059	$	1,961
Consumer and other loans:
Credit cards	27,752		26,632		54,384		$	568,297	$	622,681	$	22,536
Other consumer and other loans	38,187		8,078		46,265		$	645,443	$	691,708	$	7,993
Total CCBX	70,139		37,325		107,464		1,700,630		1,808,094		33,144
Total consolidated	70,683		43,739		114,422		3,642,407		3,756,829		33,144
Less net deferred origination fees and premiums									(7,298)
Loans receivable									$	3,749,531

There were $35.2 million in CCBX loans past due 90 days or more and still accruing interest as of March 31, 2026, and $33.1 million as of December 31, 2025. This is attributed to loans originated through CCBX lending partners which continue to accrue interest up to 180 days past due. As of March 31, 2026 and December 31, 2025, $34.2 million and $30.9 million, respectively of loans past due 90 days or more and still accruing interest are covered by credit enhancements provided by our CCBX partners that protect the Bank against losses.

The accrual of interest on community bank loans is discontinued when, in management’s opinion, the borrower may be unable to meet payments as they become due or when they are 90 days past due as to either principal or interest, unless they are well secured and in the process of collection. Installment/closed-end, and revolving/open-end consumer loans originated through CCBX lending partners typically continue to accrue interest until 120 and 180 days past due, respectively and an allowance is recorded through provision expense for these expected losses. Certain CCBX partners employ collection practices that place specific loans on nonaccrual status to enhance collectability. As of March 31, 2026, $22.3 million of these nonaccrual CCBX loans were less than 90 days past due, compared to $20.3 million as of December 31, 2025. For installment/closed-end and revolving/open-end consumer loans originated through CCBX lending partners with balances outstanding beyond 120 days and 180 days past due, respectively, principal and capitalized interest outstanding is charged off against the allowance and accrued interest outstanding is reversed against interest income. These consumer loans are reported as nonperforming/substandard, 90 days or more days past due and still accruing.

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When loans are placed on nonaccrual status, all accrued interest is reversed from current period earnings. Payments received on nonaccrual loans are generally applied as a reduction to the loan principal balance. If the likelihood of further loss is removed, the Company will recognize interest on a cash basis only. Loans may be returned to accruing status if the Company believes that all remaining principal and interest is fully collectible and there has been at least six months of sustained repayment performance since the loan was placed on nonaccrual.

An analysis of nonaccrual loans by category consisted of the following at the periods indicated:


	March 31,						December 31,
	2026						2025
	Total Nonaccrual		Nonaccrual with No ACL		Nonaccrual with ACL		Total Nonaccrual		Nonaccrual with No ACL		Nonaccrual with ACL
	(dollars in thousands; unaudited)
Community Bank
Commercial and industrial loans	$	170	$	76	$	94	$	2,151	$	2,058	$	93
Real estate loans:

Residential real estate	314		314		—		38		38		—
Commercial real estate	4,344		4,344		—		4,344		4,344		—



Total community bank nonaccrual loans	$	4,828	$	4,734	$	94	$	6,533	$	6,440	$	93
CCBX
Commercial and industrial loans	$	81	$	—	$	81	$	127	$	—	$	127




Consumer and other loans:
Credit cards	24,497		—		24,497		21,433		—		21,433
Consumer and other consumer loans	3,015		—		3,015		2,875		—		2,875
Total CCBX nonaccrual loans	$	27,593	$	—	$	27,593	$	24,435	$	—	$	24,435
Total consolidated nonaccrual loans	$	32,421	$	4,734	$	27,687	$	30,968	$	6,440	$	24,528

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In some circumstances, the Company modifies loans in response to borrower financial difficulty, and generally provides for a temporary modification of loan repayment terms. In order for a modified loan to be considered for accrual status, the loan’s collateral coverage generally will be greater than or equal to 100% of the loan balance, the loan is current on payments, and the borrower must either prefund an interest reserve or demonstrate the ability to make payments from a verified source of cash flow for an extended period of time, usually at least six months in duration.

There were no modified loans for community bank borrowers experiencing financial difficulty at March 31, 2026 and December 31, 2025.

The following tables present the CCBX loans at March 31, 2026 and December 31, 2025 that were both experiencing financial difficulty and were modified in the twelve months previous to the dates presented by class and by type of modification. The percentage of the loans that were modified to borrowers in financial distress as compared to the total CCBX loans of each class is also presented below.


March 31, 2026	Principal Forgiveness		Term Extension		Interest Rate Reduction		Principal Forgiveness & Payment Delay		Interest Rate Reduction & Payment Delay		Principal Forgiveness Payment Delay & Term Extension		Total		Total Class of Financing Receivable
	(dollars in thousands; unaudited)
CCBX
Commercial and industrial loans:

All other commercial & industrial loans	$	—	$	609	$	—	$	18	$	—	$	—	$	627	2.88	%


Consumer and other loans:
Credit cards	13,526		—		32,489		—		2,302		—		48,317		6.97
Other consumer and other loans	—		2,994		—		2,410		—		32		5,436		0.75
Total	$	13,526	$	3,603	$	32,489	$	2,428	$	2,302	$	32	$	54,380	1.41	%

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December 31, 2025	Principal Forgiveness		Term Extension		Interest Rate Reduction		Principal Forgiveness & Payment Delay		Interest Rate Reduction & Payment Delay		Principal Forgiveness, Payment Delay & Term Extension		Total		Total Class of Financing Receivable
	(dollars in thousands)
CCBX
Commercial and industrial loans:

All other commercial & industrial loans	$	—	$	763	$	—	$	4	$	—	$	—	$	767	4.00	%


Consumer and other loans:
Credit cards	13,780		—		32,566		—		685		—		47,031		7.55
Other consumer and other loans	—		4,087		—		832		—		15		4,934		0.71
Total	$	13,780	$	4,850	$	32,566	$	836	$	685	$	15	$	52,732	1.41	%

The Company has committed to lend additional amounts totaling $23,000 to the borrowers included in the table above as of March 31, 2026.

The performance of loans modified is monitored to understand the effectiveness of the modification efforts. The following tables present the performance of such loans that have been modified in the last 12 months previous to the dates presented:


March 31, 2026	30-89 Days Past Due		90 Days or More Past Due		Total Past Due
	(dollars in thousands; unaudited)
CCBX
Commercial and industrial loans:

All other commercial & industrial loans	$	103	$	26	$	129


Consumer and other loans:
Credit cards	8,280		8,153		16,433
Other consumer and other loans	569		100		669
Total CCBX	$	8,952	$	8,279	$	17,231

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December 31, 2025	30-89 Days Past Due		90 Days or More Past Due		Total Past Due
	(dollars in thousands)
CCBX
Commercial and industrial loans:

All other commercial & industrial loans	$	199	$	28	$	227


Consumer and other loans:
Credit cards	8,403		7,114		15,517
Other consumer and other loans	745		321		1,066
Total CCBX	$	9,347	$	7,463	$	16,810

The following tables present the financial effect of the loan modifications presented above to borrowers experiencing financial difficulty for the preceding 12 months as of the dates indicated:


March 31, 2026	Principal Forgiveness		Weighted Average Interest Rate Reduction		Weighted Average Term Extension (years)
	(dollars in thousands; unaudited)
CCBX
Commercial and industrial loans:

All other commercial & industrial loans	$	218	—	%	2.4


Consumer and other loans:
Credit cards	9,291		14.1		n/a
Other consumer and other loans	7,644		—		2.0
Total CCBX	$	17,153	14.1	%	2.1

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December 31, 2025	Principal Forgiveness		Weighted Average Interest Rate Reduction		Weighted Average Term Extension (years)
	(dollars in thousands)
CCBX
Commercial and industrial loans:

All other commercial & industrial loans	$	224	—	%	2.0


Consumer and other loans:
Credit cards	9,062		14.4		n/a
Other consumer and other loans	5,904		—		2.0
Total CCBX	$	15,190	14.4	%	2.0

The following tables present the total of loans that had a payment default during the preceding 12 months and which were modified for borrowers experiencing financial difficulty in the twelve months prior to that default.


March 31, 2026	Principal Forgiveness		Term Extension		Interest Rate Reduction		Principal Forgiveness & Payment Delay		Interest Rate Reduction & Payment Delay		Principal Forgiveness, Payment Delay & Term Extension		Total
	(dollars in thousands; unaudited)
CCBX
Commercial and industrial loans:

All other commercial & industrial loans	$	—	$	137	$	—	$	—	—		$	—	$	137


Consumer and other loans:
Credit cards	11,987		—		21,457		—		521		—		33,965
Other consumer and other loans	—		669		—		263		—		15		947
Total	$	11,987	$	806	$	21,457	$	263	$	521	$	15	$	35,049

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December 31, 2025	Principal Forgiveness		Term Extension		Interest Rate Reduction		Principal Forgiveness & Payment Delay		Interest Rate Reduction & Payment Delay		Principal Forgiveness, Payment Delay & Term Extension		Total
	(dollars in thousands)
CCBX
Commercial and industrial loans:

All other commercial & industrial loans	$	—	$	628	$	—	$	4	$	—	$	—	$	632


Consumer and other loans:
Credit cards	12,339		—		21,798		—		204		—		34,341
Other consumer and other loans	—		3,267		—		640		—		15		3,922
Total	$	12,339	$	3,895	$	21,798	$	644	$	204	$	15	$	38,895

Upon the Company’s determination that a modified loan (or portion of a loan) has subsequently been deemed uncollectible, the loan (or a portion of the loan) is charged-off against the allowance for credit losses. Therefore, the loan balance is reduced by the uncollectible amount and the allowance for credit losses is adjusted by the same amount.

Credit Quality and Credit Risk

Federal regulations require that the Company periodically evaluate the risks inherent in its loan portfolio. In addition, the Company’s regulatory agencies have authority to identify problem loans and, if appropriate, require them to be reclassified. The Company establishes loan grades for loans at the origination of the loan. Changes to community bank loan grades are considered at the time new information about the performance of a loan becomes available, including the receipt of updated financial information from the borrower and after loan reviews. For consumer loans, the Bank follows the Federal Financial Institutions Examination Council’s Uniform Retail Credit Classification and Account Management Policy for subsequent classification in the event of payment delinquencies or default. Typically, an individual loan grade will not be changed from the prior period unless there is a specific indication of credit deterioration or improvement. Credit deterioration is evidenced by delinquency, direct communications with the borrower or other borrower information that becomes known to management. Credit improvements are evidenced by known facts regarding the borrower or the collateral property. The Company classifies some loans as Watch or Other Loans Especially Mentioned (“OLEM”). Loans classified as Watch are performing assets but have elements of risk that require more monitoring than other performing loans and are reported in the OLEM column in the following table. Loans classified as OLEM are assets that continue to perform but have shown deterioration in credit quality and require close monitoring. There are three classifications for problem loans: Substandard, Doubtful, and Loss. Substandard loans have one or more defined weaknesses and are characterized by the distinct possibility that the Company will sustain some loss if the deficiencies are not corrected. Revolving (open-ended loans, such as credit cards) and installment (closed end) consumer loans originated through CCBX partners typically continue to accrue interest until they are charged-off at 120 days past due for installment loans (primarily unsecured loans to consumers) and 180 days past due for revolving loans (primarily credit cards) and are classified as substandard once they are 90 days past due. CCBX partners may place certain loans on nonaccrual status prior to achieving these past due timelines. Doubtful loans have the weaknesses of loans classified as Substandard, with additional characteristics that suggest the weaknesses make collection or recovery in full after liquidation of collateral questionable on the basis of currently existing facts, conditions, and values. There is a high possibility of loss in loans classified as Doubtful. A loan classified as Loss is considered uncollectible and of such little value that continued classification of the credit as a loan is not warranted. If a loan or a portion thereof is classified as Loss, it must be charged-off, meaning the amount of the loss is charged against the allowance for credit losses, thereby reducing that reserve.

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Management considers the guidance in ASC 310-20 when determining whether a modification, extension, or renewal of loan constitutes a current period origination.

The following tables show the risk category of community bank loans by year of origination for the periods indicated, based on the most recent analysis performed as of each period end:


	Term Loans Amortized Cost Basis by Origination Year
Community Bank	2026		2025		2024		2023		2022		Prior		Revolving Loans Amortized Cost Basis		Revolving Loans Converted To Term		Total
	(dollars in thousands; unaudited)
As of March 31, 2026
Commercial and industrial loans
Risk rating
Pass	$	21,360	$	115,178	$	6,956	$	8,296	$	32,986	$	17,499	$	29,480	$	2,209	$	233,964
Other Loan Especially Mentioned	45		—		—		—		49		1,215		159		—		1,468
Substandard	—		—		—		16		—		—		155		—		171
Doubtful	—		—		—		—		—		—		—		—		—
Total commercial and industrial loans - All other commercial and industrial loans	$	21,405	$	115,178	$	6,956	$	8,312	$	33,035	$	18,714	$	29,794	$	2,209	$	235,603
Year-to-date gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

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	Term Loans Amortized Cost Basis by Origination Year
Community Bank	2026		2025		2024		2023		2022		Prior		Revolving Loans Amortized Cost Basis		Revolving Loans Converted To Term		Total
	(dollars in thousands; unaudited)
As of March 31, 2026
Real estate loans - Construction, land and land development loans
Risk rating
Pass	$	3,872	$	115,782	$	39,206	$	61,474	$	6,774	$	4,058	$	3,502	$	—	$	234,668
Other Loan Especially Mentioned	—		—		—		—		—		243		—		—		243
Substandard	—		—		—		—		—		—		—		—		—
Doubtful	—		—		—		—		—		—		—		—		—
Total real estate loans - Construction, land and land development loans	$	3,872	$	115,782	$	39,206	$	61,474	$	6,774	$	4,301	$	3,502	$	—	$	234,911
Year-to-date gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—


Real estate loans - Residential real estate loans
Risk rating
Pass	$	3,882	$	16,982	$	10,032	$	24,500	$	27,704	$	80,583	$	33,132	$	410	$	197,225
Other Loan Especially Mentioned	—		—		—		—		—		—		266		—		266
Substandard	—		—		1,381		—		276		—		37		—		1,694
Doubtful	—		—		—		—		—		—		—		—		—
Total real estate loans - Residential real estate loans	$	3,882	$	16,982	$	11,413	$	24,500	$	27,980	$	80,583	$	33,435	$	410	$	199,185
Year-to-date gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Real estate loans - Commercial real estate loans
Risk rating
Pass	$	59,131	$	94,566	$	44,995	$	235,126	$	262,134	$	563,705	$	9,321	$	1,773	$	1,270,751
Other Loan Especially Mentioned	—		—		15,393		—		5,563		4,496		—		—		25,452
Substandard	—		—		—		—		344		4,000		—		—		4,344
Doubtful	—		—		—		—		—		—		—		—		—
Total real estate loans - Commercial real estate loans	$	59,131	$	94,566	$	60,388	$	235,126	$	268,041	$	572,201	$	9,321	$	1,773	$	1,300,547
Year-to-date gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

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	Term Loans Amortized Cost Basis by Origination Year
Community Bank	2026		2025		2024		2023		2022		Prior		Revolving Loans Amortized Cost Basis		Revolving Loans Converted To Term		Total
	(dollars in thousands; unaudited)
As of March 31, 2026
Consumer and other loans - Other consumer and other loans
Risk rating
Pass	$	398	$	282	$	89	$	28	$	7,243	$	2,906	$	641	$	—	$	11,587
Other Loan Especially Mentioned	—		—		—		—		—		—		—		—		—
Substandard	—		—		—		—		—		—		—		—		—
Doubtful	—		—		—		—		—		—		—		—		—
Total consumer and other loans - Other consumer and other loans	$	398	$	282	$	89	$	28	$	7,243	$	2,906	$	641	$	—	$	11,587
Year-to-date gross charge-offs	$	2	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	2

Total community bank loans receivable
Risk rating
Pass	$	88,643	$	342,790	$	101,278	$	329,424	$	336,841	$	668,751	$	76,076	$	4,392	$	1,948,195
Other Loan Especially Mentioned	45		—		15,393		—		5,612		5,954		425		—		27,429
Substandard	—		—		1,381		16		620		4,000		192		—		6,209
Doubtful	—		—		—		—		—		—		—		—		—
Total community bank loans	$	88,688	$	342,790	$	118,052	$	329,440	$	343,073	$	678,705	$	76,693	$	4,392	$	1,981,833
Year-to-date gross charge-offs	$	2	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	2

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	Term Loans Amortized Cost Basis by Origination Year
Community Bank	2025		2024		2023		2022		2021		Prior		Revolving Loans Amortized Cost Basis		Revolving Loans Converted To Term		Total
	(dollars in thousands; unaudited)
As of December 31, 2025
Commercial and industrial loans
Risk rating
Pass	$	131,644	$	8,897	$	33,940	$	10,279	$	2,389	$	5,363	$	25,929	$	2,256	$	220,697
Other Loan Especially Mentioned	—		—		—		—		1,216		—		375		—		1,591
Substandard	—		16		—		1,961		—		—		174		—		2,151
Doubtful	—		—		—		—		—		—		—		—		—
Total commercial and industrial loans - All other commercial and industrial loans	$	131,644	$	8,913	$	33,940	$	12,240	$	3,605	$	5,363	$	26,478	$	2,256	$	224,439
Year-to-date gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Real estate loans - Construction, land and land development loans
Risk rating
Pass	$	139,810	$	67,584	$	6,838	$	1,715	$	239	$	1,732	$	3,502	$	—	$	221,420
Other Loan Especially Mentioned	—		—		—		655		—		—		—		—		655
Substandard	—		—		—		—		—		—		—		—		—
Doubtful	—		—		—		—		—		—		—		—		—
Total real estate loans - Construction, land and land development loans	$	139,810	$	67,584	$	6,838	$	2,370	$	239	$	1,732	$	3,502	$	—	$	222,075
Year-to-date gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

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	Term Loans Amortized Cost Basis by Origination Year
Community Bank	2025		2024		2023		2022		2021		Prior		Revolving Loans Amortized Cost Basis		Revolving Loans Converted To Term		Total
	(dollars in thousands; unaudited)
As of December 31, 2025


Real estate loans - Residential real estate loans
Risk rating
Pass	$	28,581	$	24,678	$	35,211	$	34,525	$	23,262	$	25,146	$	28,270	$	414	$	200,087
Other Loan Especially Mentioned	—		—		286		—		—		—		501		—		787
Substandard	1,381		—		—		—		—		—		38		—		1,419
Doubtful	—		—		—		—		—		—		—		—		—
Total real estate loans - Residential real estate loans	$	29,962	$	24,678	$	35,497	$	34,525	$	23,262	$	25,146	$	28,809	$	414	$	202,293
Year-to-date gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	13	$	—	$	—	$	13

Real estate loans - Commercial real estate loans
Risk rating
Pass	$	138,619	$	259,048	$	263,101	$	209,646	$	98,897	$	273,109	$	10,005	$	1,788	$	1,254,213
Other Loan Especially Mentioned	15,374		—		5,593		1,302		3,243		1,787		—		—		27,299
Substandard	—		—		344		—		4,000		—		—		—		4,344
Doubtful	—		—		—		—		—		—		—		—		—
Total real estate loans - Commercial real estate loans	$	153,993	$	259,048	$	269,038	$	210,948	$	106,140	$	274,896	$	10,005	$	1,788	$	1,285,856
Year-to-date gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

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	Term Loans Amortized Cost Basis by Origination Year
Community Bank	2025		2024		2023		2022		2021		Prior		Revolving Loans Amortized Cost Basis		Revolving Loans Converted To Term		Total
	(dollars in thousands; unaudited)
As of December 31, 2025

Consumer and other loans - Other consumer and other loans
Risk rating
Pass	$	2,526	$	32	$	7,394	$	—	$	206	$	2,710	$	1,204	$	—	$	14,072
Other Loan Especially Mentioned	—		—		—		—		—		—		—		—		—
Substandard	—		—		—		—		—		—		—		—		—
Doubtful	—		—		—		—		—		—		—		—		—
Total consumer and other loans - Other consumer and other loans	$	2,526	$	32	$	7,394	$	—	$	206	$	2,710	$	1,204	$	—	$	14,072
Year-to-date gross charge-offs	$	29	$	15	$	—	$	—	$	—	$	—	$	—	$	—	$	44

Total community bank loans receivable
Risk rating
Pass	$	441,180	$	360,239	$	346,484	$	256,165	$	124,993	$	308,060	$	68,910	$	4,458	$	1,910,489
Other Loan Especially Mentioned	15,374		—		5,879		1,957		4,459		1,787		876		—		30,332
Substandard	1,381		16		344		1,961		4,000		—		212		—		7,914
Doubtful	—		—		—		—		—		—		—		—		—
Total community bank loans	$	457,935	$	360,255	$	352,707	$	260,083	$	133,452	$	309,847	$	69,998	$	4,458	$	1,948,735
Year-to-date gross charge-offs	$	29	$	15	$	—	$	—	$	—	$	13	$	—	$	—	$	57

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The Company considers the performance of the CCBX loan portfolio and its impact on the allowance for credit losses. For CCBX loans, the Company also evaluates credit quality based on the aging status of the loan, which was previously presented, and by payment activity. The following tables present the loans in CCBX based on payment activity for the periods indicated:


	Term Loans Amortized Cost Basis by Origination Year
CCBX	2026		2025		2024		2023		2022		Prior		Revolving Loans Amortized Cost Basis		Revolving Loans Converted To Term		Total
	(dollars in thousands; unaudited)
As of March 31, 2026
Commercial and industrial loans - Capital call lines
Payment performance
Performing	$	—	$	—	$	—	$	—	$	—	$	—	$	176,384	$	—	$	176,384
Nonperforming	—		—		—		—		—		—		—		—		—
Total commercial and industrial loans - Capital call lines	$	—	$	—	$	—	$	—	$	—	$	—	$	176,384	$	—	$	176,384
Year-to-date gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Commercial and industrial loans - All other commercial and industrial loans
Payment performance
Performing	$	—	$	—	$	9,570	$	1,519	$	—	$	2	$	10,016	$	—	$	21,107
Nonperforming	—		—		317		31		—		—		337		—		685
Total commercial and industrial loans - All other commercial and industrial loans	$	—	$	—	$	9,887	$	1,550	$	—	$	2	$	10,353	$	—	$	21,792
Year-to-date gross charge-offs	$	—	$	—	$	732	$	135	$	—	$	—	$	279	$	—	$	1,146

Real estate loans - Residential real estate loans
Payment performance
Performing	$	—	$	—	$	—	$	—	$	—	$	—	$	262,105	$	1,691	$	263,796
Nonperforming	—		—		—		—		—		—		2,241		—		2,241
Total real estate loans - Residential real estate loans	$	—	$	—	$	—	$	—	$	—	$	—	$	264,346	$	1,691	$	266,037
Year-to-date gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	705	$	—	$	705

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	Term Loans Amortized Cost Basis by Origination Year
CCBX	2026		2025		2024		2023		2022		Prior		Revolving Loans Amortized Cost Basis		Revolving Loans Converted To Term		Total
	(dollars in thousands; unaudited)
As of March 31, 2026
Consumer and other loans - Credit cards
Payment performance
Performing	$	—	$	—	$	—	$	—	$	—	$	—	$	644,813	$	26	$	644,839
Nonperforming	—		—		—		—		—		—		48,646		—		48,646
Total consumer and other loans - Credit cards	$	—	$	—	$	—	$	—	$	—	$	—	$	693,459	$	26	$	693,485
Year-to-date gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	25,465	$	—	$	25,465

Consumer and other loans - Other consumer and other loans
Payment performance
Performing	$	194,706	$	278,929	$	136,795	$	61,917	$	18,080	$	699	$	24,597	$	—	$	715,723
Nonperforming	879		3,706		3,822		1,986		494		49		284		—		11,220
Total consumer and other loans - Other consumer and other loans	$	195,585	$	282,635	$	140,617	$	63,903	$	18,574	$	748	$	24,881	$	—	$	726,943
Year-to-date gross charge-offs	$	18	$	8,672	$	8,267	$	4,283	$	903	$	124	$	4,938	$	—	$	27,205


Total CCBX loans receivable
Payment performance
Performing	$	194,706	$	278,929	$	146,365	$	63,436	$

COASTAL FINANCIAL CORP 10-Q