COASTAL COMMUNITY BANK

EVERETT, WA · Supervised by FDIC

Est. 1997FDIC #34,403RSSD: FDIC-34403

Part ofCOASTAL FINANCIAL CORP→ View all charters

Satisfactory Same

Current rating · Exam: June 2004

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.96%

Institution Profile

FDIC BankFind

Website

www.coastalbank.com

Address

5415 Evergreen Way, EVERETT, WA

County

Snohomish County

Established

April 1, 1997

Total Assets

$5.7B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

June 1, 2004

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 22 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$5.7B

Total Deposits

$5.1B

Net Loans

$3.8B

Net Income

$12M

ROA

0.96%

ROE

9.93%

Risk-Based Capital

13.48%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate1.62%Peer avg: 9.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$4.0B

1-Year Change

5-year net change: -1 branches

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	64,233	23.51%	1.62%
2023	31,031	40.27%	1.49%
2019	122	57.38%	14.75%
2018	104	53.85%	24.04%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 1999

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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