Coastal Community Bank (FDIC certificate #34403) is based in Everett, Washington. Its Q2 2026 call report shows $5.5B in total assets and $4.9B in deposits and 14 offices.
Based on its Q2 2026 filing, Coastal Community Bank scores 35/100, which we describe as low. That is higher than only 1% of 897 banks with $1 billion – $10 billion. Among 29 banks headquartered in Washington, it ranks 28th. Its strongest component is problem-loan coverage (71/100; 14.4%), and its lowest is earnings (0/100; -1.10%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 23 points (58 → 35), mostly because the earnings component weakened by 61 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 55 |
| Q3 2024 | 53 |
| Q4 2024 | 59 |
| Q1 2025 | 60 |
| Q2 2025 | 58 |
| Q3 2025 | 60 |
| Q4 2025 | 60 |
| Q1 2026 | 55 |
| Q2 2026 | 35 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.24% |
| Q3 2024 | 9.29% |
| Q4 2024 | 10.64% |
| Q1 2025 | 10.57% |
| Q2 2025 | 10.33% |
| Q3 2025 | 10.49% |
| Q4 2025 | 10.60% |
| Q1 2026 | 10.10% |
| Q2 2026 | 9.13% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.60% |
| Q3 2024 | 1.94% |
| Q4 2024 | 1.79% |
| Q1 2025 | 1.58% |
| Q2 2025 | 1.69% |
| Q3 2025 | 1.60% |
| Q4 2025 | 1.68% |
| Q1 2026 | 1.70% |
| Q2 2026 | 2.27% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.03% |
| Q3 2024 | 1.16% |
| Q4 2024 | 1.22% |
| Q1 2025 | 0.99% |
| Q2 2025 | 1.03% |
| Q3 2025 | 1.10% |
| Q4 2025 | 1.11% |
| Q1 2026 | 0.96% |
| Q2 2026 | -1.10% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 35 | $5.5B | 9.13% | 2.27% | -1.10% | 83.7% |
| Q1 2026 | 55 | $5.7B | 10.10% | 1.70% | 0.96% | 75.0% |
| Q4 2025 | 60 | $4.7B | 10.60% | 1.68% | 1.11% | 87.2% |
| Q3 2025 | 60 | $4.5B | 10.49% | 1.60% | 1.10% | 89.0% |
| Q2 2025 | 58 | $4.5B | 10.33% | 1.69% | 1.03% | 86.8% |
| Q1 2025 | 60 | $4.3B | 10.57% | 1.58% | 0.99% | 88.0% |
| Q4 2024 | 59 | $4.1B | 10.64% | 1.79% | 1.22% | 91.7% |
| Q3 2024 | 53 | $4.1B | 9.29% | 1.94% | 1.16% | 89.6% |
| Q2 2024 | 55 | $4.0B | 9.24% | 1.60% | 1.03% | 89.6% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Washington
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| 1st Security Bank of WashingtonBank Mountlake Terrace, WA | 67 out of 100, Moderate | $3.2B | 11.4% | 0.58% | vs |
| Heritage BankBank Olympia, WA | 68 out of 100, Moderate | $8.4B | 10.2% | 0.27% | vs |
| Peoples BankBank Bellingham, WA | 78 out of 100, Strong | $2.4B | 13.3% | 0.11% | vs |
| Cashmere Valley BankBank Cashmere, WA | 79 out of 100, Strong | $2.3B | 12.5% | 0.35% | vs |
| First Fed BankBank Port Angeles, WA | 49 out of 100, Below average | $2.1B | 9.6% | 1.28% | vs |
| Timberland BankBank Hoquiam, WA | 78 out of 100, Strong | $2.1B | 12.9% | 0.56% | vs |
Deposit insurance
Is my money safe at Coastal Community Bank?
Yes. Coastal Community Bank is an FDIC-insured institution (FDIC certificate #34403). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 27.4% of deposits ($1.3B) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.13%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.27% (benchmark: 10%).
14 locations
Branches
Coastal Community Bank lists 14 offices in 11 cities. Most locations:
- Everett, WA (3)
- Arlington, WA (2)
- Camano Island, WA (1)
- Darrington, WA (1)
- Edmonds, WA (1)
- Marysville, WA (1)
- Monroe, WA (1)
- Snohomish, WA (1)
- Stanwood, WA (1)
- Sultan, WA (1)
- Woodinville, WA (1)
HMDA 2025
Mortgage lending
In 2025, Coastal Community Bank reported 70,669 home-loan applications under HMDA (LEI 5493001GCBD5XGNIC815): 21,244 originated ($1,537,030,000 total), 1,972 denied, and 5,485 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.0%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Coastal Community Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 34403
- RSSD ID
- 2562164
- Primary regulator
- FED
- Holding company
- Coastal Financial Corp
- Established
- April 1, 1997
- Headquarters
- 5415 Evergreen Way, Everett, WA 98203
- Website
- www.coastalbank.com
- Employees
- 490
Quick answers
Coastal Community Bank: common questions
Is Coastal Community Bank FDIC insured?
Yes. Coastal Community Bank is an FDIC-insured institution (FDIC certificate #34403). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Coastal Community Bank's TellerScore?
35 out of 100 (Low), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Coastal Community Bank ever failed?
There is no failure record for FDIC certificate #34403 in the FDIC failed bank list.
How many branches does Coastal Community Bank have?
14 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Everett
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Cascade Federal Credit UnionCredit union Kent, WA | 88 out of 100, Very strong | $392.6M | 13.3% | 0.79% | vs |
| GBC International BankBank Los Angeles, CA | 83 out of 100, Strong | $658.5M | 15.9% | 0.26% | vs |
| Qualstar Credit UnionCredit union Bothell, WA | 80 out of 100, Strong | $939.3M | 16.0% | 1.41% | vs |
| Peoples BankBank Bellingham, WA | 78 out of 100, Strong | $2.4B | 13.3% | 0.11% | vs |
| Northwest Plus Credit UnionCredit union Everett, WA | 77 out of 100, Strong | $315.2M | 13.6% | 0.80% | vs |
| Native American Bank, National AssociationBank Denver, CO | 77 out of 100, Strong | $362.0M | 14.4% | 0.94% | vs |