Updated
The most significant concentration Coastal Financial discloses is Puget Sound region at 81%, classified HIGH by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
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Source: Coastal Financial’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
“10-K Item 1: 'approximately 81% of the real estate loans in our community bank loan portfolio (measured by dollar amount) were secured by real estate, or made to borrowers who live or conduct business, in the Puget Sound region.'”
“10-K Item 1: 'CCBX loans receivable totaled $1.81 billion, or 48.1% of total loans receivable, as of December 31, 2025.'”
“10-K Item 1: 'we had $1.33 billion in total consumer loans, representing 35.4% of total loans.'”
“10-K Item 1A: 'our commercial real estate loan portfolio totaled $1.29 billion, or 34.2% of our total loan portfolio.'”
Coastal Financial's loan book shows a strong regional tilt alongside a more programmatic dependency. Approximately 81% of real estate loans in its community bank portfolio (by dollar amount) are secured by real estate or made to borrowers in the Puget Sound region, a structural exposure tied to that region's economic health. Layered against this is the CCBX segment: CCBX loans receivable totaled 48.1% of total loans receivable, a dependency-type exposure since CCBX represents the bank's banking-as-a-service partnership model rather than organic regional lending, meaning its performance hinges on the health and continuity of those third-party partner relationships. The remaining loan mix is more diversified by type: consumer loans made up 35.4% of total loans and commercial real estate loans 34.2%, both structural and moderate in share. Netting these out, the most idiosyncratic exposure is the CCBX dependency — a disruption or loss of a banking-as-a-service partner could hit results independent of regional economic conditions — while the Puget Sound concentration and the consumer/CRE mix are more conventional, structural regional and portfolio-composition risks.
For the engine’s reasoning on CCB’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| AMAL | Amalgamated Financial Corp. | 2 | 1 | 0 | 3 |
| CCB● | Coastal Financial Corporation | 1 | 3 | 0 | 4 |
| ACNB | ACNB Corporation | 1 | 1 | 0 | 2 |
| ALRS | Alerus Financial Corporation | 1 | 1 | 0 | 2 |
| AMTB | Amerant Bancorp Inc. | 0 | 1 | 1 | 2 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.