Coastal Financial Corporation (CCB) Balance Sheet
CCB balance sheet, 2025
December 31, 2025 · U.S. dollars$4.74B assets = $4.25B liabilities + $491.0M equity
Both columns are drawn to the same scale: what CCB owns equals what it owes plus shareholders’ equity. Hover a block for its value.
CCB financial health
Descriptive bands, not a rating. Fiscal 2025.
CCB balance sheet trends, 2016–2025
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $740.6M2016 | $4.74B2025 | +22.9%/yr | |
| Total liabilities | $680.7M2016 | $4.25B2025 | +22.6%/yr | |
| Shareholders’ equity | $59.9M2016 | $491.0M2025 | +26.3%/yr | |
| Cash & short-term investments | $120.1M2016 | $34.3M2025 | −13.0%/yr | |
| Total debt | $42.0M2016 | $58.0M2025 | +3.6%/yr | |
| Net cash (debt) | $78.1M2016 | −$23.7M2025 | −$101.8M | |
| Working capital | $121.6M2016 | $3.63B2025 | +$3.5B | |
| Book value per share | $5.252016 | $31.782025 | +22.1%/yr | |
| Debt / equity | 0.702016 | 0.122025 | −0.58 | |
| Shares outstanding | 11.4M2016 | 15.5M2025 | +3.4%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
CCB assets
CCB liabilities and equity
CCB debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
CCB balance sheet
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||
| Cash & short-term investments | $34.3M | $452.5M | $582.6M | $439.5M | $848.5M | $183.5M | $156.2M | $162.4M | $126.7M | $120.1M |
| Cash & equivalents | $34.2M | $452.5M | $483.1M | $342.1M | $813.2M | $163.1M | $127.8M | $125.8M | $89.8M | $87.0M |
| Short-term investments | $29,000 | $35,000 | $99.5M | $97.3M | $35.3M | $20.4M | $28.4M | $36.7M | $36.9M | $33.1M |
| Receivables | $3.60B | $35.2M | $32.5M | $28.2M | $9.4M | $8.6M | $3.0M | $2.5M | $2.3M | $1.7M |
| Inventory | $0 | $0 | −$2.90B | −$423.7M | −$821.3M | −$171.7M | −$130.8M | −$128.3M | −$92.0M | $1.3M |
| Other current assets | $0 | $0 | $2.90B | $423.7M | $821.3M | $171.7M | $130.8M | $128.3M | $92.0M | $0 |
| Total current assets | $3.63B | $487.8M | $615.2M | $467.7M | $857.9M | $192.1M | $159.2M | $165.0M | $129.0M | $121.8M |
| Property, plant & equipment (net) | $34.1M | $32.6M | $28.0M | $23.2M | $23.3M | $24.2M | $21.6M | $13.2M | $13.1M | $13.1M |
| Goodwill & intangible assets | $4.5M | $0 | $0 | $183,000 | $61.6M | $49.7M | $56.1M | $52.3M | $406,000 | $593,000 |
| Long-term investments | $61.1M | $58.1M | $160.6M | $108.9M | $45.1M | $1.57B | $37.2M | $41.7M | $42.0M | $38.1M |
| Other non-current assets | $1.01B | $3.54B | $2.95B | $2.54B | $1.65B | $0 | $854.5M | $680.0M | $621.3M | $567.0M |
| Total assets | $4.74B | $4.12B | $3.75B | $3.14B | $2.64B | $1.77B | $1.13B | $952.1M | $805.8M | $740.6M |
| Liabilities | ||||||||||
| Accounts payable | $28.9M | $30.1M | $31.2M | $21.1M | $2.2M | $531,000 | $308,000 | $279,000 | $228,000 | $224,000 |
| Short-term debt | $5.0M | $1.0M | $977,000 | $719,000 | $719,000 | $153.7M | $8.7M | — | $33.7M | $28.5M |
| Deferred revenue | — | — | −$34.5M | — | −$6.0M | — | −$8.4M | −$19.8M | −$19.8M | −$14.8M |
| Total current liabilities | $5.0M | $3.62B | $3.39B | $2.84B | $2.37B | $154.2M | $968.3M | $803.9M | $228,000 | $224,000 |
| Long-term debt | $48.0M | $47.9M | $47.7M | $47.6M | $27.9M | $13.6M | $13.6M | $13.5M | $13.5M | $13.5M |
| Lease obligations | $5.0M | $5.4M | $6.1M | $5.2M | $6.3M | $7.3M | $8.7M | — | — | — |
| Other long-term liabilities | $3.98B | $19.2M | $15.7M | $14.8M | $40.4M | $32.3M | $22.5M | $25.5M | $20.0M | $15.0M |
| Total liabilities | $4.25B | $3.68B | $3.46B | $2.90B | $2.43B | $1.63B | $1.00B | $843.0M | $740.0M | $680.7M |
| Shareholders' equity | ||||||||||
| Common stock & paid-in capital | $233.4M | $228.2M | $130.1M | $125.8M | $121.8M | $87.8M | $87.0M | $86.4M | $52.5M | $52.2M |
| Retained earnings (deficit) | $257.5M | $210.5M | $165.3M | $120.0M | $79.4M | $52.4M | $37.2M | $24.0M | $14.1M | $8.7M |
| Accumulated other comprehensive income | −$1,000 | −$2,000 | −$469,000 | −$2.3M | $4,000 | $34,000 | −$32,000 | −$1.3M | −$944,000 | −$1.0M |
| Total shareholders' equity | $491.0M | $438.7M | $295.0M | $243.5M | $201.2M | $140.2M | $124.2M | $109.2M | $65.7M | $59.9M |
| Key figures | ||||||||||
| Total debt | $58.0M | $53.3M | $53.9M | $52.8M | $59.2M | $167.3M | $32.2M | $33.5M | $47.2M | $42.0M |
| Net cash (debt) | −$23.7M | $399.3M | $528.8M | $386.6M | $789.3M | $16.2M | $123.9M | $128.9M | $79.5M | $78.1M |
| Working capital | $3.63B | −$3.13B | −$2.78B | −$2.37B | −$1.51B | $37.9M | −$809.1M | −$638.9M | $128.7M | $121.6M |
| Tangible book value | $486.4M | $438.7M | $295.0M | $243.3M | $139.6M | $90.5M | $68.1M | $56.8M | $65.3M | $59.3M |
| Book value per share | $31.78 | $31.62 | $21.63 | $18.02 | $16.07 | $11.48 | $10.18 | $10.29 | $5.76 | $5.25 |
| Shares outstanding | 15.5M | 13.9M | 13.6M | 13.5M | 12.5M | 12.2M | 12.2M | 10.6M | 11.4M | 11.4M |
| Current ratio | 728.91 | 0.13 | 0.18 | 0.16 | 0.36 | 1.25 | 0.16 | 0.21 | 565.58 | 543.79 |
| Quick ratio | 728.91 | 0.13 | 0.18 | 0.16 | 0.36 | 1.25 | 0.16 | 0.21 | 565.58 | 543.79 |
| Debt / equity | 0.12 | 0.12 | 0.18 | 0.22 | 0.29 | 1.19 | 0.26 | 0.31 | 0.72 | 0.70 |
| Equity / assets | 10.4% | 10.6% | 7.9% | 7.7% | 7.6% | 7.9% | 11.0% | 11.5% | 8.2% | 8.1% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $48.1M | $52.7M | $34.3M | $642.3M | $719.8M | $624.3M | $452.5M | $484.1M | $487.3M | $515.2M | $582.6M | $573.9M |
| Cash & equivalents | $48.1M | $52.7M | $34.2M | $642.3M | $719.8M | $624.3M | $452.5M | $484.0M | $487.2M | $515.1M | $483.1M | $474.9M |
| Short-term investments | $27,000 | $28,000 | $29,000 | $31,000 | $33,000 | $34,000 | $35,000 | $38,000 | $39,000 | $41,000 | $99.5M | $98.9M |
| Receivables | $4.02B | $3.71B | $3.60B | $36.8M | $33.9M | $33.8M | $35.2M | $39.7M | $35.1M | $35.0M | $32.5M | $34.1M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | −$507.7M | −$3.26B | −$550.2M | −$3.07B | −$600.9M |
| Other current assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $507.7M | $3.26B | $550.2M | $3.07B | $600.9M |
| Total current assets | $4.06B | $3.76B | $3.63B | $679.0M | $753.6M | $658.1M | $487.8M | $523.8M | $522.4M | $550.2M | $615.2M | $607.9M |
| Property, plant & equipment (net) | $30.1M | $34.4M | $34.1M | $33.9M | $33.9M | $33.8M | $32.6M | $31.3M | $30.2M | $28.8M | $28.0M | $26.7M |
| Goodwill & intangible assets | $4.2M | $4.4M | $4.5M | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-term investments | $59.4M | $60.2M | $61.1M | $56.7M | $58.1M | $59.6M | $58.1M | $59.4M | $59.9M | $60.7M | $160.6M | $153.4M |
| Other non-current assets | $1.30B | $1.81B | $1.01B | $3.78B | $3.63B | $3.59B | $3.54B | $3.45B | $3.35B | $3.23B | $2.95B | $2.89B |
| Total assets | $5.46B | $5.66B | $4.74B | $4.55B | $4.48B | $4.34B | $4.12B | $4.07B | $3.96B | $3.87B | $3.75B | $3.68B |
| Liabilities | ||||||||||||
| Accounts payable | $35.2M | $31.1M | $28.9M | $32.3M | $33.9M | $30.5M | $30.1M | $40.3M | $35.5M | $34.2M | $31.2M | $39.3M |
| Short-term debt | $4.5M | $4.8M | $5.0M | $281,000 | $531,000 | $794,000 | $1.0M | $266,000 | $534,000 | $775,000 | $977,000 | $6.3M |
| Deferred revenue | — | — | — | — | — | — | — | — | −$35.5M | −$34.2M | −$34.5M | $35.0M |
| Total current liabilities | $4.5M | $4.8M | $5.0M | $4.00B | $3.95B | $3.82B | $3.62B | $3.67B | $3.58B | $3.50B | $3.39B | $3.33B |
| Long-term debt | $48.1M | $48.1M | $48.0M | $48.0M | $48.0M | $47.9M | $47.9M | $47.8M | $47.8M | $47.8M | $47.7M | $47.7M |
| Lease obligations | $4.5M | $4.8M | $5.0M | $5.0M | $5.1M | $5.3M | $5.4M | $5.6M | $5.8M | $5.9M | $6.1M | $6.3M |
| Other long-term liabilities | $4.94B | $5.11B | $3.98B | $24.9M | $23.4M | $19.7M | $19.2M | $18.5M | $18.1M | $16.6M | $15.7M | $17.1M |
| Total liabilities | $4.99B | $5.16B | $4.25B | $4.08B | $4.02B | $3.89B | $3.68B | $3.73B | $3.64B | $3.56B | $3.46B | $3.39B |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $236.0M | $234.2M | $233.4M | $230.4M | $230.4M | $229.7M | $228.2M | $134.8M | $133.0M | $131.6M | $130.1M | $129.2M |
| Retained earnings (deficit) | $227.4M | $269.5M | $257.5M | $244.9M | $231.3M | $220.3M | $210.5M | $197.2M | $183.7M | $172.1M | $165.3M | $156.3M |
| Accumulated other comprehensive income | −$1,000 | −$1,000 | −$1,000 | −$1,000 | −$1,000 | −$1,000 | −$2,000 | −$1,000 | −$2,000 | −$2,000 | −$469,000 | −$1.1M |
| Total shareholders' equity | $463.4M | $503.8M | $491.0M | $475.3M | $461.7M | $449.9M | $438.7M | $331.9M | $316.7M | $303.7M | $295.0M | $284.4M |
| Key figures | ||||||||||||
| Total debt | $52.6M | $52.9M | $58.0M | $53.0M | $53.0M | $53.2M | $53.3M | $53.5M | $53.6M | $53.7M | $53.9M | $54.0M |
| Net cash (debt) | −$4.5M | −$150,000 | −$23.7M | $589.3M | $666.8M | $571.1M | $399.3M | $430.6M | $433.7M | $461.5M | $528.8M | $519.9M |
| Working capital | $4.06B | $3.76B | $3.63B | −$3.33B | −$3.19B | −$3.16B | −$3.13B | −$3.14B | −$3.06B | −$2.95B | −$2.78B | −$2.72B |
| Tangible book value | $459.2M | $499.3M | $486.4M | $475.3M | $461.7M | $449.9M | $438.7M | $331.9M | $316.7M | $303.7M | $295.0M | $284.4M |
| Book value per share | $29.99 | $32.59 | $31.77 | $30.77 | $29.89 | $29.10 | $30.75 | $24.01 | $23.05 | $22.21 | $21.57 | $20.80 |
| Shares outstanding | 15.5M | 15.5M | 15.5M | 15.4M | 15.4M | 15.5M | 14.3M | 13.8M | 13.7M | 13.7M | 13.7M | 13.7M |
| Current ratio | 898.63 | 783.46 | 728.91 | 0.17 | 0.19 | 0.17 | 0.13 | 0.14 | 0.15 | 0.16 | 0.18 | 0.18 |
| Quick ratio | 898.63 | 783.46 | 728.91 | 0.17 | 0.19 | 0.17 | 0.13 | 0.14 | 0.15 | 0.16 | 0.18 | 0.18 |
| Debt / equity | 0.11 | 0.10 | 0.12 | 0.11 | 0.11 | 0.12 | 0.12 | 0.16 | 0.17 | 0.18 | 0.18 | 0.19 |
| Equity / assets | 8.5% | 8.9% | 10.4% | 10.4% | 10.3% | 10.4% | 10.6% | 8.2% | 8.0% | 7.9% | 7.9% | 7.7% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed February 27, 2026); data from EODHD.
CCB financial position
At the end of fiscal 2025 (December 31, 2025), Coastal Financial had total assets of $4.7 billion (up 15.0% from a year earlier), total liabilities of $4.3 billion and shareholders' equity of $491.0 million. It held $34.3 million in cash and short-term investments against $58.0 million of debt, net debt of $23.7 million. Its current ratio was 728.91. In the latest quarter (ended June 30, 2026) total assets were $5.5 billion and equity $463.4 million.
Related: CCB income statement, CCB cash flow statement, CCB key metrics. See the CCB stock overview for the latest quote and news.
CCB balance sheet FAQ
What are Coastal Financial's total assets?
Coastal Financial reported total assets of $4.7 billion at the end of fiscal 2025 (December 31, 2025), compared with $4.1 billion a year earlier.
How much debt does Coastal Financial have?
Coastal Financial had $58.0 million of total debt at the end of fiscal 2025, including short-term borrowings and lease obligations. Its debt-to-equity ratio was 0.12.
How much cash does Coastal Financial have?
Coastal Financial held $34.3 million in cash and short-term investments at the end of fiscal 2025; with $58.0 million of debt that is net debt of $23.7 million.
What is Coastal Financial's book value?
Coastal Financial's shareholders' equity (book value) was $491.0 million at the end of fiscal 2025, or $31.78 per share.
What is Coastal Financial's current ratio?
Coastal Financial had current assets of $3.6 billion and current liabilities of $5.0 million, a current ratio of 728.91 (it can cover its short-term obligations).
How much goodwill does Coastal Financial have?
Coastal Financial carried $4.5 million of goodwill and intangible assets, 0.1% of total assets, at the end of fiscal 2025.