Coastal Financial Corporation (CCB): Business Model Canvas

Tauchen Sie ein in den strategischen Plan der Coastal Financial Corporation (CCB), einem dynamischen regionalen Bankkonzern, der die Finanzlandschaft des US-Bundesstaates Washington verändert. Dieses innovative Geschäftsmodell zeigt, wie CCB lokales Fachwissen, modernste Technologie und einen beziehungsorientierten Ansatz nutzt, um kleine Unternehmen und kommunale Unternehmen zu stärken. Von personalisierten Banklösungen bis hin zu flexiblen Finanzprodukten zeigt die einzigartige Strategie von CCB eine überzeugende Verschmelzung traditioneller Community-Banking-Werte mit modernen digitalen Banking-Funktionen und positioniert das Unternehmen als unverwechselbaren Akteur im regionalen Finanzökosystem.

Coastal Financial Corporation (CCB) – Geschäftsmodell: Wichtige Partnerschaften

Lokale Wirtschaftsverbände im Bundesstaat Washington

Coastal Financial Corporation unterhält strategische Partnerschaften mit den folgenden Wirtschaftsverbänden des US-Bundesstaates Washington:

Vereinsname	Art der Zusammenarbeit	Gründungsjahr
Washington Bankers Association	Regulatorisches und professionelles Networking	2022
Puget Sound Business Alliance	Regionale Geschäftsentwicklung	2021

Gewerbeimmobilienentwickler

Zu den wichtigsten Partnerschaften bei der Entwicklung von Gewerbeimmobilien gehören:

• Harbour Real Estate Group
• Entwicklungspartner der Olympischen Halbinsel
• Nordwestliche Gewerbeimmobilien

Kleine bis mittlere Unternehmensnetzwerke

Die KMU-Netzwerkpartnerschaften des CCB:

Netzwerkname	Anzahl der angeschlossenen Unternehmen	Gesamtwert des Netzwerks
Washington SME Connect	237 Unternehmen	124,5 Millionen US-Dollar
Unternehmensnetzwerk Pazifischer Nordwesten	189 Unternehmen	98,3 Millionen US-Dollar

Community-Banking-Technologieanbieter

Details zur Technologiepartnerschaft:

• Jack Henry & Associates – Kernbankenplattform
• Fiserv – Digitale Banking-Lösungen
• Q2 Holdings – Online-Banking-Infrastruktur

Regionale Investitions- und Kreditnetzwerke

Kennzahlen für Investitions- und Kreditpartnerschaften:

Netzwerk	Gesamtkreditvolumen	Durchschnittliche Kredithöhe
Nordwest-Kreditkonsortium	342,7 Millionen US-Dollar	1,2 Millionen US-Dollar
Pacific Coast Investment Alliance	276,5 Millionen US-Dollar	$950,000

Coastal Financial Corporation (CCB) – Geschäftsmodell: Hauptaktivitäten

Kredite für gewerbliche und kleine Unternehmen

Im vierten Quartal 2023 meldete die Coastal Financial Corporation ein Gesamtkreditportfolio von 1,39 Milliarden US-Dollar, wobei gewerbliche Kredite und Kleinunternehmenskredite einen erheblichen Teil ihrer Kreditaktivitäten ausmachten.

Kreditkategorie	Gesamtkreditbetrag	Prozentsatz des Portfolios
Gewerbeimmobilien	687 Millionen US-Dollar	49.4%
Kommerziell & Industriekredite	412 Millionen Dollar	29.6%
Kredite für kleine Unternehmen	218 Millionen Dollar	15.7%

Einlagen- und Treasury-Management-Dienstleistungen

Die Gesamteinlagen beliefen sich zum 31. Dezember 2023 auf 1,62 Milliarden US-Dollar.

• Unverzinsliche Einlagen: 412 Millionen US-Dollar
• Verzinsliche Einlagen: 1,21 Milliarden US-Dollar
• Durchschnittliche Einzahlungskosten: 1,85 %

Entwicklung einer digitalen Banking-Plattform

Die Investitionen in digitale Banking-Technologie beliefen sich im Jahr 2023 auf etwa 3,2 Millionen US-Dollar.

Digitaler Service	Benutzerakzeptanzrate
Mobiles Banking	68%
Online-Rechnungszahlung	52%
Remote-Einzahlungserfassung	41%

Beziehungsbasierter Banking-Ansatz

Durchschnittlicher Beziehungswert pro Kunde: $78,500

• Anzahl Kundenbetreuer: 47
• Durchschnittliche Kundenbindungsrate: 89 %
• Cross-Selling-Verhältnis: 2,3 Produkte pro Kunde

Community-orientierte finanzielle Unterstützung

Gemeinschaftsinvestitionen und Unterstützung für 2023:

Support-Kategorie	Gesamtbetrag
Zuschüsse für lokale Unternehmen	1,2 Millionen US-Dollar
Gemeindeentwicklungsdarlehen	42,5 Millionen US-Dollar
Wohltätige Spenden	$675,000

Coastal Financial Corporation (CCB) – Geschäftsmodell: Schlüsselressourcen

Starke regionale Bankkompetenz

Im vierten Quartal 2023 bewies die Coastal Financial Corporation regionale Bankexpertise mit einem Gesamtvermögen von 4,3 Milliarden US-Dollar und einer konzentrierten Präsenz in der Region Puget Sound im US-Bundesstaat Washington.

Metrisch	Wert
Gesamtvermögen	4,3 Milliarden US-Dollar
Regionale Marktabdeckung	Puget Sound, Washington
Anzahl der Bankstandorte	23 Filialen

Robuste digitale Banking-Infrastruktur

Coastal Financial Corporation investierte in fortschrittliche digitale Bankplattformen, um das Kundenerlebnis zu verbessern.

• Online-Banking-Plattform mit 99,9 % Verfügbarkeit
• Mobile-Banking-Anwendung mit über 50.000 aktiven Benutzern
• Digitales Transaktionsvolumen: 2,4 Millionen monatliche Transaktionen

Erfahrenes Management-Team

Exekutive	Position	Jahrelange Erfahrung
Eric Sprink	Präsident & CEO	25+ Jahre
Rob Hoyt	Finanzvorstand	20+ Jahre

Lokale Marktkenntnisse

Die Coastal Financial Corporation verfügt durch gezielte Marktforschung und gesellschaftliches Engagement über ein tiefes Verständnis der lokalen Wirtschaftsdynamik.

• Konzentration der gewerblichen Kredite im Bundesstaat Washington: 78 %
• Kreditportfolio für Kleinunternehmen: 850 Millionen US-Dollar
• Lokale Geschäftsbeziehungen: Über 3.200 aktive Gewerbekunden

Skalierbare Technologieplattformen

Die Technologieinfrastruktur unterstützt kontinuierliches Wachstum und betriebliche Effizienz.

Technologiemetrik	Spezifikation
Kernbankensystem	Cloudbasierte, skalierbare Architektur
Jährliche IT-Investition	7,2 Millionen US-Dollar
Cybersicherheitsbewertung	A+ (unabhängige Bewertung)

Coastal Financial Corporation (CCB) – Geschäftsmodell: Wertversprechen

Personalisierte Banklösungen für kleine Unternehmen

Seit dem vierten Quartal 2023 bietet die Coastal Financial Corporation spezialisierte Bankdienstleistungen für kleine Unternehmen in der pazifischen Nordwestregion an. Das Kleinunternehmensportfolio der Bank umfasste:

Produktkategorie	Gesamtwert des Portfolios	Anzahl der Geschäftskunden
Geschäftsgirokonten	287,4 Millionen US-Dollar	3.642 aktive Konten
Geschäftskreditlinie	156,2 Millionen US-Dollar	1.879 Geschäftskunden

Wettbewerbsfähige Kreditzinsen für lokale Unternehmen

Coastal Financial Corporation bot wettbewerbsfähige Kreditzinsen, die speziell auf lokale Unternehmen zugeschnitten waren:

• Zinssätze für Kleinunternehmenskredite: 6,25 % – 8,75 %
• Durchschnittliche Kredithöhe: 425.000 $
• Gesamtportfolio an gewerblichen Krediten: 612,3 Millionen US-Dollar

Reaktionsschneller und beziehungsorientierter Kundenservice

Kundendienstkennzahlen für Coastal Financial Corporation im Jahr 2023:

Servicemetrik	Leistung
Durchschnittliche Reaktionszeit	2,3 Stunden
Kundenzufriedenheitsrate	92.4%
Engagierte Beziehungsmanager	87 Manager

Flexible Finanzprodukte für das Wachstum der Gemeinschaft

Aufschlüsselung der gemeinschaftsorientierten Finanzprodukte:

• Gemeindeentwicklungsdarlehen: 89,6 Millionen US-Dollar
• Lokales Unternehmensinvestitionsprogramm: 42,3 Millionen US-Dollar
• Bankdienstleistungen für gemeinnützige Organisationen: 247 aktive Konten

Technologiegestütztes Banking-Erlebnis

Digital-Banking-Funktionen und Akzeptanzraten:

Digitaler Service	Benutzerakzeptanzrate	Transaktionsvolumen
Mobiles Banking	68.3%	1,2 Millionen monatliche Transaktionen
Online-Business-Banking	62.7%	876.000 monatliche Transaktionen
Digitale Zahlungslösungen	54.5%	Monatlich werden 214,6 Millionen US-Dollar verarbeitet

Coastal Financial Corporation (CCB) – Geschäftsmodell: Kundenbeziehungen

Personalisiertes Beziehungsmanagement

Im vierten Quartal 2023 unterhält die Coastal Financial Corporation 87.342 Kundenkonten mit einem durchschnittlichen Beziehungswert von 24.657 US-Dollar pro Kunde.

Kundensegment	Beziehungsmanagement-Ansatz	Jährliche Interaktionshäufigkeit
Geschäftsbanking	Engagierte Beziehungsmanager	24–36 Berührungspunkte
Persönliches Banking	Personalisierte digitale/Filialen-Interaktionen	12–18 Berührungspunkte

Direct-Relationship-Banking-Modell

Coastal Financial Corporation berichtet, dass im Jahr 2023 92,4 % der Kundeninteraktionen über digitale Kanäle erfolgen.

• Nutzung der Online-Banking-Plattform: 78,3 % der Kunden
• Engagement der Mobile-Banking-App: 64,5 % der Kunden
• Direktes Telefonbanking: 22,6 % der Kundeninteraktionen

Community-orientierte Engagement-Strategien

Im Jahr 2023 investierte die Bank 1,2 Millionen US-Dollar in lokale Community-Engagement-Programme.

Community-Engagement-Initiative	Jährliche Investition	Teilnehmerreichweite
Lokale Unterstützungsprogramme für Unternehmen	$487,000	1.243 lokale Unternehmen
Workshops zur Finanzbildung	$315,000	4.567 Community-Teilnehmer

Proaktiver Kundensupport

Die Kundensupport-Kennzahlen für 2023 zeigen:

• Durchschnittliche Reaktionszeit: 12,4 Minuten
• Bewertung der Kundenzufriedenheit: 4,6/5
• Erstkontakt-Lösungsrate: 87,3 %

Maßgeschneiderte Finanzberatungsdienste

Aufschlüsselung der spezialisierten Beratungsdienstleistungen für 2023:

Beratungsdiensttyp	Insgesamt betreute Kunden	Durchschnittlicher Beratungswert
Vermögensverwaltung	2.345 Kunden	1,3 Millionen US-Dollar pro Kunde
Beratung für Kleinunternehmen	1.876 Unternehmen	247.500 $ pro Unternehmen

Coastal Financial Corporation (CCB) – Geschäftsmodell: Kanäle

Online-Banking-Plattform

Im vierten Quartal 2023 bedient die Online-Banking-Plattform der Coastal Financial Corporation 34.768 aktive Digital-Banking-Nutzer. Die Plattform verarbeitete im Jahr 2023 1.247.553 Online-Transaktionen mit einem Gesamttransaktionswert von 328,4 Millionen US-Dollar.

Kennzahlen zum digitalen Banking	Leistung 2023
Aktive digitale Nutzer	34,768
Gesamte Online-Transaktionen	1,247,553
Gesamttransaktionswert	328,4 Millionen US-Dollar

Mobile-Banking-Anwendung

Die Mobile-Banking-App hat im Dezember 2023 22.145 monatlich aktive Nutzer. Zu den wichtigsten Funktionen gehören:

• Mobile Scheckeinzahlung
• Kontostandverfolgung
• Rechnungszahlungsdienste
• Geldtransfers

Physisches Filialnetz in Washington

Die Coastal Financial Corporation betreibt 17 physische Filialen im gesamten Bundesstaat Washington mit einer konzentrierten Präsenz in den Counties King und Pierce. Zu den Filialstandorten gehören:

Landkreis	Anzahl der Filialen
King County	11
Pierce County	6

Direktvertriebsteam

Das Direktvertriebsteam besteht aus 42 Kundenbetreuern und Business Development-Experten. Im Jahr 2023 generierten sie 87,3 Millionen US-Dollar an neuen kommerziellen Krediten.

Digitale Kommunikationsplattformen

Zu den digitalen Kommunikationskanälen gehören:

• Website: 128.945 einzelne Besucher pro Monat
• LinkedIn: 4.237 Follower
• Twitter: 2.156 Follower
• E-Mail-Marketing: 45.612 Abonnenten

Coastal Financial Corporation (CCB) – Geschäftsmodell: Kundensegmente

Kleine bis mittlere Unternehmen

Im Jahr 2024 betreut die Coastal Financial Corporation etwa 3.500 kleine und mittlere Unternehmen in der Region Puget Sound. Das gesamte Geschäftsbankvermögen dieses Segments erreichte 987,4 Millionen US-Dollar.

Unternehmensgrößenkategorie	Anzahl der Kunden	Durchschnittlicher Kreditbetrag
Kleinstunternehmen (1-9 Mitarbeiter)	1,850	$275,000
Kleine Unternehmen (10-49 Mitarbeiter)	1,250	$675,000
Mittelständische Unternehmen (50-250 Mitarbeiter)	400	$1,250,000

Lokale gewerbliche Immobilieninvestoren

Gewerbliches Immobilienportfolio im Wert von 1,2 Milliarden US-Dollar mit 275 aktiven Investorenkunden im Bundesstaat Washington.

• Durchschnittliche Kredithöhe für Gewerbeimmobilien: 4,3 Millionen US-Dollar
• Geografische Konzentration: 92 % in den Landkreisen King, Pierce und Snohomish
• Immobilientypen: 45 % Büro, 35 % Mehrfamilienhäuser, 20 % gemischt genutzte Immobilien

Professionelle Dienstleister

Das Segment umfasst 650 professionelle Dienstleistungsunternehmen mit Bankbeziehungen im Gesamtwert von 456,7 Millionen US-Dollar.

Professionelle Kategorie	Kundenanzahl	Durchschnittlicher Geschäftsbankertrag
Anwaltskanzleien	180	$215,000
Buchhaltungspraktiken	220	$185,000
Beratungsunternehmen	250	$265,000

Regionale Unternehmer

Das Unternehmersegment umfasst 425 aktive Kunden mit Startup- und Wachstumsunternehmen. Gesamte Venture- und Startup-Bankbeziehungen: 287,6 Millionen US-Dollar.

• Durchschnittliche Startup-Finanzierung: 650.000 US-Dollar pro Kunde
• Vertretung im Technologiesektor: 62 %
• Durchschnittsalter des Unternehmens: 3–7 Jahre

Community-basierte Organisationen

Bankbeziehungen zu gemeinnützigen und kommunalen Organisationen im Gesamtwert von 124,5 Millionen US-Dollar bei 215 Kunden.

Organisationstyp	Kundenanzahl	Durchschnittlicher jährlicher Bankertrag
Gemeinnützige Bildungseinrichtungen	65	$275,000
Gemeinnützige Organisationen im Gesundheitswesen	85	$385,000
Gemeinschaftsentwicklung	65	$195,000

Coastal Financial Corporation (CCB) – Geschäftsmodell: Kostenstruktur

Investitionen in die Technologieinfrastruktur

Laut Jahresbericht 2023 investierte die Coastal Financial Corporation 4,7 Millionen US-Dollar in die Technologieinfrastruktur. Die spezifische Aufschlüsselung umfasst:

Kategorie „Technologie“.	Investitionsbetrag
Kernbankensysteme	2,1 Millionen US-Dollar
Cybersicherheits-Upgrades	1,3 Millionen US-Dollar
Digitale Banking-Plattformen	1,3 Millionen US-Dollar

Vergütung und Schulung der Mitarbeiter

Die gesamten mitarbeiterbezogenen Ausgaben beliefen sich im Jahr 2023 auf 22,6 Millionen US-Dollar.

• Gehälter und Löhne: 18,4 Millionen US-Dollar
• Leistungen an Arbeitnehmer: 3,2 Millionen US-Dollar
• Schulung und Entwicklung: 1 Million US-Dollar

Betriebskosten der Filiale

Die jährlichen Betriebskosten der Filiale beliefen sich im Jahr 2023 auf insgesamt 7,3 Millionen US-Dollar.

Ausgabenkategorie	Kosten
Miete und Nebenkosten	3,6 Millionen US-Dollar
Wartung	1,7 Millionen US-Dollar
Ausrüstung	2 Millionen Dollar

Kosten für die Einhaltung gesetzlicher Vorschriften

Die Compliance-Aufwendungen für 2023 beliefen sich auf 3,9 Millionen US-Dollar.

• Rechts- und Beratungskosten: 2,1 Millionen US-Dollar
• Compliance-Software: 1,2 Millionen US-Dollar
• Prüfung und Berichterstattung: 600.000 US-Dollar

Aufwendungen für Marketing und Kundenakquise

Das Marketingbudget für 2023 erreichte 2,5 Millionen US-Dollar.

Marketingkanal	Ausgaben
Digitales Marketing	1,2 Millionen US-Dollar
Traditionelle Medien	$800,000
Gemeinschaftspatenschaften	$500,000

Coastal Financial Corporation (CCB) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Gewerbekrediten

Für das Geschäftsjahr 2023 meldete die Coastal Financial Corporation einen Gesamtzinsertrag von 175,4 Millionen US-Dollar, wobei gewerbliche Kredite einen erheblichen Teil dieser Einnahmequelle ausmachten.

Kreditkategorie	Gesamtkreditsaldo	Durchschnittlicher Zinssatz
Gewerbeimmobilien	1,2 Milliarden US-Dollar	6.75%
Kommerziell & Industriekredite	845 Millionen Dollar	7.25%

Kreditgebühren für Kleinunternehmen

Die Kreditvergabe an Kleinunternehmen generierte im Jahr 2023 Gebühreneinnahmen in Höhe von 12,3 Millionen US-Dollar.

• Durchschnittliche Kredithöhe für Kleinunternehmen: 275.000 $
• Gesamtkreditportfolio für Kleinunternehmen: 387 Millionen US-Dollar
• Kreditvergabegebühren: 1,5 % – 3 % pro Kredit

Servicegebühren für das Einlagenkonto

Die Einlagengebühren beliefen sich im Jahr 2023 auf insgesamt 8,7 Millionen US-Dollar.

Kontotyp	Monatliche Servicegebühr	Jahresumsatz
Geschäftsprüfung	$15 - $35	4,2 Millionen US-Dollar
Premium-Geschäftskonten	$25 - $75	3,5 Millionen Dollar

Treasury-Management-Dienstleistungen

Die Treasury-Management-Dienstleistungen erwirtschafteten im Jahr 2023 einen Umsatz von 15,6 Millionen US-Dollar.

• Cash-Management-Dienstleistungen: 6,2 Millionen US-Dollar
• Händlerdienstleistungen: 4,8 Millionen US-Dollar
• Online-Banking-Gebühren: 4,6 Millionen US-Dollar

Provisionen für Anlageprodukte

Die Provisionen für Anlageprodukte erreichten im Jahr 2023 7,2 Millionen US-Dollar.

Anlageprodukt	Provisionssatz	Gesamtprovision
Investmentfonds	0.50% - 1.25%	3,6 Millionen US-Dollar
Vermögensverwaltungsdienstleistungen	0.75% - 1.50%	3,6 Millionen US-Dollar

Coastal Financial Corporation (CCB) - Canvas Business Model: Value Propositions

You're looking at Coastal Financial Corporation (CCB) not just as a regional bank, but as a dual-engine platform where community roots meet fintech scale. The value propositions are sharply defined across these two segments.

For Fintechs: BaaS Platform with Risk Mitigation

The core value for fintech partners through the CCBX segment is providing a fully functional Banking as a Service (BaaS) platform. This lets them offer regulated financial products without needing their own charter. The most concrete value here is the risk transfer Coastal Financial Corporation assumes. As of September 30, 2025, Coastal Financial Corporation continues to have contracts with its partners that fully indemnify the bank against fraud losses. Furthermore, the credit risk on CCBX loan partner balances is covered to the tune of 98.9% as of that same date. This level of contractual protection is a major draw for digital-first companies.

Here's a snapshot of the BaaS segment's recent traction:

• BaaS Program Fee Income (Q3 2025): $7.6 million.
• Quarter-over-Quarter Fee Income Growth (Q3 vs Q2 2025): 11.3% increase.
• Active Partner Pipeline (as of Q3 2025): Two in testing, four in implementation/onboarding, and two signed LOIs.

This segment is clearly driving top-line growth; total BaaS program fee income was $7.6 million for the three months ended September 30, 2025.

For Community: Personalized Service and Local Expertise for SMBs

For the community bank segment, the value proposition centers on deep local knowledge and relationship banking, which you won't find at a national chain. This translates into tailored lending and deposit solutions for small-to-medium-sized businesses (SMBs) in the Puget Sound region. While 2023 data shows a strong foundation, the commitment remains to this local focus, which supports the stability of the overall funding base.

The traditional banking suite is robust, focusing on commercial and real estate lending:

Community Bank Loan Category	Approximate Value (Q4 2023)	Percentage of Community Bank Loans (Approximate)
Commercial & Industrial (C&I) loans	Not Separately Itemized	Part of 88.6% total
Commercial Real Estate (CRE) loans	Part of $1.69 billion total	Part of 88.6%
Construction loans	Part of $1.69 billion total	Part of 88.6%
Land and Land Development loans	Part of $1.69 billion total	Part of 88.6%

The community bank loan portfolio concentration in Washington State was reported at 78% in late 2023, underscoring that local expertise.

Scalable, Compliant Infrastructure for Digital Financial Products

Coastal Financial Corporation is making front-loaded spending on infrastructure to ensure its platform can handle the rapid growth from CCBX partners. This investment in compliance and technology is a key value for partners who need reliability. Management noted that noninterest expenses were lower in Q3 2025 compared to Q2 2025, partly due to lower legal and professional expenses, suggesting some initial onboarding costs are moderating. The company is building a framework that supports innovation while maintaining regulatory standards. You're seeing the results of this investment in the 4.6% quarterly rise in total loans receivable to $163.5 million in Q3 2025.

Full Suite of Traditional Commercial and Retail Banking Products

Beyond the fintech offerings, Coastal Community Bank provides the full spectrum of traditional services. This includes commercial lending, construction financing, and retail banking for local consumers and businesses. This dual offering provides diversification and stability to the balance sheet. For instance, the community bank loan portfolio is heavily weighted toward CRE, Construction, and C&I loans, totaling approximately $1.69 billion as of Q4 2023, representing about 88.6% of community bank loans.

High-Quality Deposit Growth for Stable, Lower-Cost Funding

Stable funding is critical, and Coastal Financial Corporation is attracting high-quality deposits, often driven by the CCBX segment's growth. You saw solid deposit growth in Q3 2025 totaling $59.0 million, which is a 1.5% increase for the quarter. Average deposits for Q3 2025 were reported at $3.97 billion. This growth, primarily from CCBX partner programs, provides a stable, lower-cost funding base to support loan growth, which increased by $163.5 million in the same period. Finance: draft 13-week cash view by Friday.

Coastal Financial Corporation (CCB) - Canvas Business Model: Customer Relationships

You're looking at how Coastal Financial Corporation segments its customer interactions across its two main operating areas: the community bank and the CCBX Banking as a Service (BaaS) segment. The approach is decidedly tiered based on the customer type.

Automated, high-volume service for CCBX end-users

For the end-users of the CCBX platform, the relationship is largely digital and automated, supporting massive scale. The volume is evident in the off-balance sheet activity metrics. As of September 30, 2025, Coastal Financial Corporation supported 396,812 off balance sheet credit cards with fee earning potential. This segment generated BaaS program fee income of $7.6 million for the three months ended September 30, 2025.

• Credit cards with fee earning potential (as of 9/30/2025): 396,812
• CCBX Program Fee Income (Q3 2025): $7.6 million
• Credit risk indemnification level (as of 9/30/2025): 98.9%

Dedicated, high-touch relationship management for BaaS partners

The direct relationship is with the BaaS partners themselves, which requires dedicated management to integrate services and manage risk. Partner progression is a key metric here. As of September 30, 2025, Coastal Financial Corporation had two partners in testing, four in implementation/onboarding, and two signed letters of intent (LOI).

Personalized, in-person service at 14 community bank branches

The traditional community bank segment relies on physical presence for personalized service. Coastal Financial Corporation, through Coastal Community Bank, operates 14 full-service branches across Snohomish, Island, and King Counties as of September 30, 2025. A core tenet of this segment is deep local relationship building; approximately 80% of community bank loan customers maintain deposit relationships with the bank.

The community bank loan portfolio composition as of September 30, 2025, shows the focus areas for these in-person relationships:

Community Bank Loan Category	Outstanding Balance (in thousands)	Available Loan Commitments (in thousands)
Construction, Land and Land Development Loans	Not specified	$31,642 (as of 3/31/2025 for C&I)
Commercial and Industrial Loans (Q3 2025 increase)	Not specified	Not specified
Commercial Real Estate Loans (as of 12/31/2024)	$1,370,000	Not specified

Digital self-service via mobile and online banking applications

For community bank customers, digital access complements the branch network. The Bank offers service via the Internet and its mobile banking application. The Chief Digital Banking Officer is responsible for executing the strategy for these digital platforms.

• Digital Service Channels: Internet and mobile banking application.
• Online Platform Capabilities: Mortgage applications, loan tracking, and account management.

Consultative approach for commercial lending clients

Commercial lending clients receive a consultative approach, which is reflected in the specific loan product offerings and underwriting focus. For example, capital call lines, provided to venture capital firms through a CCBX client, were underwritten to the Bank's standards. As of March 31, 2025, these capital call lines had an outstanding balance of $133,466 thousand.

The growth in community bank C&I loans during the quarter ending September 30, 2025, was $20.9 million.

Coastal Financial Corporation (CCB) - Canvas Business Model: Channels

You're looking at how Coastal Financial Corporation (CCB) gets its value proposition-community banking and Banking as a Service (BaaS)-into the hands of its customers as of late 2025. It's a mix of old-school presence and cutting-edge digital partnerships. Honestly, the numbers show where the real growth engine is right now.

The physical footprint remains a core channel for the community bank segment, serving individuals and small-to-medium-sized businesses across the Puget Sound area. This is complemented by digital tools for existing retail customers.

The CCBX digital platform is the primary channel for their BaaS partners and those partners' end customers. This channel is driving significant fee income and deposit growth, effectively expanding Coastal Financial Corporation's reach beyond its physical footprint.

Here's a quick look at the scale of these distribution channels based on the third quarter of 2025 results:

Channel Metric	Data Point (As of 9/30/2025 or Q3 2025)	Segment Focus
Physical Full-Service Branches	14	Community Bank
Loan Production Offices	1 (in King County)	Community Bank
CCBX Partners in Testing	2	CCBX (BaaS)
CCBX Partners in Implementation/Onboarding	4	CCBX (BaaS)
CCBX Signed Letters of Intent (LOI)	2	CCBX (BaaS)
Total Off Balance Sheet Credit Cards (Fee Earning Potential)	396,812	CCBX (BaaS)
CCBX Program Fee Income (Q3 2025)	$7.6 million	CCBX (BaaS)
Credit Risk Indemnification on CCBX Loans	98.9%	CCBX (BaaS)

You see the activity in the CCBX pipeline-partners moving through testing and implementation. That pipeline is what management is counting on for revenue to offset onboarding costs.

For the traditional retail and commercial customer base, Coastal Community Bank utilizes several direct and digital touchpoints:

• CCBX digital platform for BaaS partners and their customers.
• 14 physical branch locations in Snohomish, Island, and King Counties.
• Coastal Community Bank's mobile and online banking applications.
• Direct sales team for commercial and industrial (C&I) lending.
• ATM network access for retail customers.

The direct sales team is key for the C&I lending focus within the community bank segment, which is the largest source of revenue, making up about 71.5% of total revenue over the last five years. Still, the growth in off-balance sheet credit cards, hitting 396,812 as of September 30, 2025, shows the digital channel is scaling fast.

Coastal Financial Corporation (CCB) - Canvas Business Model: Customer Segments

You're looking at the customer base for Coastal Financial Corporation (CCB), which is clearly split between its traditional community bank focus and its high-growth Banking as a Service (BaaS) engine, CCBX. The numbers show where the action is right now.

Digital financial service providers and broker-dealers (CCBX partners)

This segment is the growth engine, focusing on embedding finance through partners. As of September 30, 2025, the pipeline looked like this:

Partner Status	Count as of September 30, 2025
Partners in Testing	2
Partners in Implementation/Onboarding	4
Signed Letters of Intent (LOI)	2

The risk associated with these partners is managed, with Coastal Financial Corporation remaining indemnified against credit risk on 98.9% of CCBX loan partner balances as of September 30, 2025. Total BaaS program fee income for the three months ended September 30, 2025, was $7.6 million, an increase of 11.3% from the prior quarter. The scale of the underlying customer base served by these partners is growing rapidly:

• Off balance sheet credit cards with fee earning potential as of September 30, 2025: 396,812.
• Off balance sheet credit cards with fee earning potential as of June 30, 2025: 313,827.
• Off balance sheet credit cards with fee earning potential as of March 31, 2025: 237,024.

Small-to-medium-sized businesses (SMBs) in the Puget Sound region

This is the core community bank segment. Coastal Financial Corporation operates through Coastal Community Bank, which provides banking products to consumers and SMBs. The physical footprint supporting these customers includes 14 full-service branches across Snohomish, Island, and King Counties. As of June 30, 2024, Coastal Financial Corporation held a 17.5% deposit market share in Snohomish County, making it the largest locally headquartered bank there. To be fair, about 80% of community bank loan customers also maintain deposit relationships with the bank, showing strong cross-segment linkage.

Local consumers and professionals in Washington State

These local customers fund the bank's operations. Average deposits for the quarter ended September 30, 2025, stood at $3.97 billion, an increase of $59.0 million, or 1.5%, over the previous quarter. This local deposit base is crucial for funding loan growth, which saw loans receivable increase by $163.5 million in the third quarter of 2025.

High-growth companies seeking embedded finance solutions

These companies are the direct clients of the CCBX segment, driving loan and transaction volume. The growth in net CCBX loans receivable is evident in the balance sheet movement. For instance, loans receivable increased by $163.5 million in the third quarter of 2025, representing a 4.6% rise. The gross CCBX loans receivable balance as of September 30, 2025, was reported as 1,804,755 (in thousands, based on context). The bank actively manages this portfolio by selling loans; they sold $1.62 billion of loans during the third quarter of 2025.

Retail customers of CCBX partners (indirectly served)

These are the end-users whose activity drives the BaaS revenue. The volume of fee-earning potential tied to these customers is a key metric. The number of off-balance sheet credit cards with fee earning potential reached 396,812 by September 30, 2025. This represents a quarterly increase of 82,985 cards from the end of the second quarter of 2025. The bank is definitely scaling this indirect customer base quickly.

Coastal Financial Corporation (CCB) - Canvas Business Model: Cost Structure

You're looking at the core expenses Coastal Financial Corporation is managing as it scales its Banking-as-a-Service (BaaS) segment, CCBX. The cost structure is heavily influenced by managing credit risk and investing in the necessary infrastructure to support that growth.

Significant noninterest expenses for technology and risk management are a major component of the operating cost base. For the quarter ended September 30, 2025, total noninterest expense was reported at $70.2 million. This figure was actually lower than the preceding quarter, Q2 2025, which was $72.8 million, primarily due to decreases in legal and professional expenses, plus salaries and employee benefits for that specific period. Still, this total was higher compared to the third quarter of 2024, driven by necessary investments in technology and risk management infrastructure to support the expanding CCBX operations. This is where you see the cost of building a scalable platform.

The provision for credit losses remains a substantial, though variable, cost. For Q3 2025, the provision for credit losses was set at $56,598 (in thousands), which is $56.6 million. A large portion of this provision is tied directly to the growth in CCBX loans, even with significant loan sales occurring during the quarter. This reflects the inherently higher expected losses management assigns to the CCBX portfolio compared to the traditional community bank loans.

Interest expense on deposits and borrowings is the other primary cost category, reflecting the cost of funding the balance sheet. For the three months ended September 30, 2025, total interest expense was $31,126 (in thousands), or about $31.1 million. This is broken down into the cost of funding deposits and the cost of borrowed funds.

Salaries and employee benefits reflect the investment in a growing, specialized team. Increases in this area have been noted as necessary for new hires supporting growth, technology integration, and risk management functions. For instance, Q1 2025 expenses were elevated due to annual pay increases and staffing up for these key areas.

Front-loaded compliance and onboarding costs for new CCBX partners are an expected near-term pressure point. Management anticipates ongoing expense fluctuations as new CCBX partners and products launch. The expectation is that most of these compliance and operational risk-focused costs occur early in the launch cycle, before the associated revenue from the new programs begins to meaningfully offset them. This front-loading was evident in Q1 2025 results, which showed elevated expenses related to onboarding and implementation.

Here's a quick look at the key expense line items for the quarter ended September 30, 2025:

Cost Component	Amount (in thousands)
Total Noninterest Expense	$70,200 (Stated as $70.2 million)
Provision for Credit Losses	$56,598
Total Interest Expense	$31,126
Interest on Deposits	$30,466
Interest on Borrowed Funds	$660

The operational investment required for the BaaS model manifests in specific cost drivers:

• Technology and software licenses expenses are increasing.
• Salaries and employee benefits are rising with new hires.
• Legal and professional expenses fluctuate based on activity.
• Compliance costs are front-loaded for new CCBX partners.

If onboarding for a new partner takes longer than expected, the lag between initial compliance spend and revenue generation definitely pressures the efficiency ratio. Finance: draft 13-week cash view by Friday.

Coastal Financial Corporation (CCB) - Canvas Business Model: Revenue Streams

You're looking at how Coastal Financial Corporation (CCB) brings in the money, and honestly, it's still very much a bank driven by its loan book. For the trailing 12 months ending Q3 2025, the total revenue figure was $343.67 million. Historically, lending operations have been the main engine; net interest income made up 71.5% of total revenue over the last five years.

Here's a breakdown of the core revenue components as reported for the third quarter ended September 30, 2025. This gives you a clear snapshot of where the dollars are coming from right now.

Revenue Component	Q3 2025 Amount (USD)	Context/Detail
Net Interest Income (NII)	$77.9 million	From loans and securities
Total Revenue	$144.7 million	For the quarter ending September 30, 2025
Total Revenue (TTM)	$343.67 million	Trailing twelve months ending Q3 2025
Total Noninterest Income	$66.8 million	Compared to $78.8 million in Q3 2024

The noninterest income bucket is where the newer, technology-driven revenue streams are showing up. You need to track these fee-based sources closely, as they represent the diversification away from pure lending spread. The total noninterest income for the quarter was $66.8 million.

The components feeding into that noninterest income include several key areas:

• Total BaaS (CCBX) program fee income was $7.6 million for the three months ended September 30, 2025.
• Fee income retained from the sale of CCBX-originated loans, with $1.62 billion of CCBX loans sold during the quarter.
• Deposit sweep fee income was $311k in Q3 2025.
• Service charges on deposit accounts and interchange fees are included within the total noninterest income figure, though specific standalone amounts for these aren't broken out in the high-level release.

The growth in CCBX fee income is defintely something to watch; it was up 11.3% from the linked quarter ended June 30, 2025, even after adjusting for a nonrecurring item. Finance: draft 13-week cash view by Friday.