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Q2 2026 · read from the 30 June 2026 Call Report · United States · Pacific · Washington, the state note

Coastal Community Bank

Everett, Washington · $5.45B in assets · beside the 11 other the Pacific states banks between $3B and $10B (the state alone holds too few in the band to rank)

The filing

2.27%
NPA / loans
12th of 12
8.6%
Equity / assets
11th of 12
26.3%
CRE / loans
2nd of 12

Coastal Community Bank is the seventh largest of the 12 the Pacific states banks nearest its size between $3B and $10B, with $5.45B in assets at 30 June 2026. Loans are 88.0% of deposits, 9th of 12 against a median of 82.5%, and equity is 8.6% of assets, 11th of 12. Loans grew +19.9% in the year, 3rd of 12, and deposits grew 23.9%; the cohort's median loan growth is +5.7%.

Noncurrent loans are 2.27% of the book, the highest in the cohort against a median of 0.35%; 1.48% is 30 to 89 days past due, and the allowance covers them 2.2 times. Net charge-offs are 4.64% of loans, 11th of 12. Commercial real estate is 26.3% of loans, 2nd of 12 against a median of 40.3%, and 219% of capital, below the 300% screen, with construction at 43% against the 100% screen.

Return on assets is -1.15%, 11th of 12 against a median of 1.34%, on an efficiency ratio of 68.2%, 11th of 12. Five years ago it was 1.31%. The question is where the nonperforming loans sit by category, and whether the allowance and the capital behind them hold under a loss path.

Nonperforming loans, share of loansPacific states banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 0.35% RC River City Bank 0.00% Bo Bank of Stockton 0.08% WB Westamerica Bank 0.12% FM Farmers & Merchants Bank Central California 0.13% FS Five Star Bank 0.30% SM SMBC Manubank 0.30% FB Fremont Bank 0.39% AB American Business Bank 0.44% FN First National Bank Alaska 0.47% CW Community West Bank 0.56% CB CTBC Bank Corp. USA 1.55% CC Coastal Community Bank 2.27%
Loans, year over yearPacific states banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +5.7% CW Community West Bank +47.7% FS Five Star Bank +20.3% CC Coastal Community Bank +19.9% FN First National Bank Alaska +8.9% AB American Business Bank +7.9% RC River City Bank +7.3% Bo Bank of Stockton +4.1% FB Fremont Bank +3.1% CB CTBC Bank Corp. USA +2.2% FM Farmers & Merchants Bank Central California +2.2% WB Westamerica Bank -10.6% SM SMBC Manubank -40.2%

SBA 7(a), FY2008 to FY2026

Coastal Community Bank is the 32nd largest 7(a) lender into Washington of 281, with $106M across 252 loans, 0.8% of everything approved in the state (U.S. Bank, National Association leads with $933M). 13 of its 15 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Washington, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Snohomish, WA$60M7th of 1273.8%quiet FY2022
King, WA$30M37th of 1930.7%-0.1 pts
Skagit, WA$5M20th of 671.9%quiet FY2017
Island, WA$3M14th of 412.7%quiet FY2019
Pierce, WA$3M69th of 1370.2%thin
Clallam, WA$2M18th of 561.3%quiet FY2019
Kitsap, WA$1M48th of 830.4%quiet FY2020
Tillamook, OR$1M16th of 261.9%quiet FY2020
Grant, WA$890K37th of 600.4%quiet FY2019
Whatcom, WA$708K50th of 760.2%quiet FY2015
Washington, OR$500K99th of 1220.1%quiet FY2015
Summit, UT$300K46th of 560.2%quiet FY2019
Pacific, WA$194K20th of 250.5%quiet FY2014
2 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Manufacturing44$23M21.2%0.06%274th of 2,246
Accommodation & food services37$15M13.7%0.02%455th of 2,596
Construction30$13M12.4%0.04%311th of 2,063
Arts, entertainment & recreation14$13M11.8%0.09%179th of 1,656
Retail trade27$8M7.7%0.01%538th of 2,589
7(a) lenders into Washington, share of approvals since FY2008281 lenders on record; the ten largest and Coastal Community Bank
UB U.S. Bank, National Association 6.9% $933M · 3,630 loans CB Columbia Bank 6.7% $907M · 2,786 loans KN KeyBank National Association 5.5% $735M · 1,921 loans Bo Bank of Hope 4.9% $658M · 702 loans LO Live Oak Banking Company 4.4% $598M · 424 loans WF Wells Fargo Bank National Associa… 3.9% $518M · 1,645 loans BB Banner Bank 3.5% $467M · 2,139 loans RL Readycap Lending, LLC 3.3% $440M · 406 loans HB Heritage Bank 3.2% $437M · 947 loans U Unibank 2.8% $384M · 420 loans CC Coastal Community Bank 0.8% $106M · 252 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 1 CBLR filer; owner-occupied excluded; bold marks a screen met
Coastal Community BankRankCohort median
Total CRE against capital, the 300% screen219%8th of 12215%
Construction against capital, the 100% screen43%10th of 1219%
Construction and land development, share of loans5.1%9th of 123.2%
Non-owner-occupied nonfarm nonresidential, share of loans12.8%1st of 1227.5%
Total CRE, the guidance definition, share of loans26.3%2nd of 1240.3%
CRE growth over 36 months, the third prong+15.4%7th of 12+14.5%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
SMBC Manubank$6.60B-3.4%16.5%0.30%4.97%0.0%48.2%11.5%
River City Bank$6.04B1.2%30.6%0.00%0.00%2.3%85.7%9.4%
Fremont Bank$5.97B1.2%73.4%0.39%0.01%1.6%90.6%7.8%
CTBC Bank Corp. USA$5.87B0.9%59.2%1.55%0.06%1.1%88.0%13.4%
Farmers & Merchants Bank Central California$5.83B1.7%44.3%0.13%0.01%2.1%72.7%11.8%
Westamerica Bank$5.77B1.8%42.5%0.12%0.14%1.6%14.0%10.5%
Coastal Community Bank$5.45B-1.1%68.2%2.27%4.64%5.0%88.0%8.6%
Five Star Bank$5.38B1.6%37.3%0.30%0.07%1.0%94.0%9.8%
First National Bank Alaska$5.12B1.6%49.6%0.47%0.02%0.8%76.8%11.4%
Community West Bank$5.02B0.7%61.6%0.56%0.31%1.4%85.9%13.3%
Bank of Stockton$4.99B6.1%47.6%0.08%0.05%3.2%65.3%19.5%
American Business Bank$4.42B1.5%47.0%0.44%0.00%1.1%79.3%9.9%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Coastal Community BankCohort median
20212026Change20212026Change
Loans$1.66B$4.32B+160%$2.10B$3.62B+73%
Deposits$1.81B$4.90B+171%$3.42B$4.86B+42%
NPA / loans0.04%2.27%+2.23 pts0.16%0.35%+0.19 pts
Efficiency58.4%68.2%+9.8 pts54.7%47.3%-7.4 pts
ROA1.31%-1.15%-2.45 pts1.33%1.34%+0.01 pts

This read was prepared for Coastal Community Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Coastal Community Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort Pacific states banks $3B to $10B
Institution www.coastalbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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