$CCB

COASTAL FINANCIAL CORP (CCB): Third Quarter 2026 Exhibit 99.1 Investor Presentation

COASTAL FINANCIAL CORP (CCB) filed an SEC Form 8-K — Regulation FD Disclosure. Third Quarter 2026 Exhibit 99.1 Investor Presentation 2 Important note regarding forward-looking statements: Statements made in this presentation (or conveyed orally) which are not purely historical are forward-looking statements, as defined in the Private Securities Litigation R

Original reporting
Published Oct 29, 2026, 10:39 AM UTC
Analysis
AlphAI AI DeskAI-generated
Added to AlphAI Oct 29, 2026, 10:44 AM UTC. Informational, not investment advice.
How this was made
AlphAI summarizes source reporting and applies a structured AI analysis for relevance, timing, sentiment and ticker impact. Always verify material claims with the original publisher.
AlphAI market briefEarnings
Primary signal
$CCB
Bearish
medium confidence
Mentioned
$CCB
Relevance
6/10
AlphAI data visualization · based on SEC EDGAR 8-K
Decision brief

The 30-second read

$CCBBearishMed
01

Why it matters

The presentation provides the first public disclosure of Q3 results, offering fresh data for traders.

02

Market read

Primary earnings disclosure for a small‑cap regional bank; modest trading relevance.

03

What to watch

Potential upside from off‑balance‑sheet deposit sweep arrangements and upcoming Bluevine acquisition termination.

Relevance 6/10Novelty 7/10Timing: after‑hours filing on Oct 29

Background

Coastal Financial Corp (CCB) released its third‑quarter 2026 investor presentation via an SEC Form 8‑K, detailing financial metrics and operational updates.

Company-level read

Ticker impact

$CCBBearishMedium confidence
Context

Coastal Financial Corp filed an 8‑K presenting Q3 2026 results, showing a 3.3% drop in total assets and declines in loans and deposits.

Expected impact

likely slight downward pressure as investors digest weaker asset and loan balances

Evidence & confidence

Asset and loan reductions indicate reduced earnings potential; no positive catalyst is presented.

Market effects

May signal pressure on regional community‑bank peers if asset quality concerns persist.

Limited to U.S. regional banking sector; no broader market effect.

Low

Counterpoint

If the asset sales improve balance‑sheet efficiency, the stock could rebound on a longer‑term view.

Key entities

  • Coastal Financial Corp

    U.S. regional bank reporting Q3 2026 results

  • Valley National Bancorp

    Acquirer of Bluevine, affecting CCB's partnership

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Why Coastal Financial (CCB) shares are falling today

Coastal Financial (CCB) shares fell 7.4% after Q3 earnings missed estimates, with EPS of $0.89 vs $0.96 expected and revenue of $149.33M vs $158.86M. Net income was $13.8M, up from a loss last quarter. The company expects a partnership to end due to an acquisition. Shares are down 61.5% YTD.

$CCBMed

Coastal Financial (CCB) Q3 2026 Earnings Call Transcript

Coastal Financial (CCB) reported Q3 2026 net income of $13.8M, returning to profitability after a prior loss. BaaS program fee income rose 79.6% YoY, and the company aims for $20M in annualized expense savings. Management discussed risks, including Bluevine deposit termination and modestly higher charge-offs. Leadership changes were announced, with Brian Hamilton moving to a strategic advisory role.

$CCBMed

Coastal Financial Q3 Earnings Call Highlights

Coastal Financial reported Q3 BaaS nonperforming loans at $54.6M, down $14.3M QoQ. Fee income rose 17.6% to $14.1M, and BaaS loans sold increased to $5.99B. Net interest income fell 1.2% QoQ but rose 13.4% YoY. Management expects $20M in annual cost savings and sees no material impact from Bluevine's acquisition.