CCB / Coastal Financial Corporation - SEC Filings, Annual Report, Proxy Statement

Coastal Financial Corporation
US ˙ NasdaqGS ˙ US19046P2092

Basic Stats
LEI 549300XG5L36T6IU0B47
CIK 1437958
SEC Filings
All companies that sell securities in the United States must register with the Securities and Exchange Commission (SEC) and file reports on a regular basis. These reports include company annual reports (10K, 10Q), news updates (8K), investor presentations (found in 8Ks), insider trades (form 4), ownership reports (13D, and 13G), and reports related to the specific securities sold, such as registration statements and prospectus. This page shows recent SEC filings related to Coastal Financial Corporation
SEC Filings (Chronological Order)
This page provides a complete, chronological list of SEC Filings, excluding ownership filings which we provide elsewhere.
August 8, 2025 EX-10.2

Employee Retirement and Retention Agreement by and among Coastal Financial Corporation, Coastal Community Bank, and Joel Edwards dated May 7, 2025.

EXHIBIT 10.2 EMPLOYEE RETIREMENT AND RETENTION AGREEMENT This Employee Retirement and Retention Agreement ("Agreement") is executed by and between Coastal Financial Corporation and Community Bank (hereinafter, collectively, the "Employer") and Joel G. Edwards (hereinafter "Employee") effective as of May 7, 2025 (the "Effective Date"). WHEREAS, Employee is currently employed by Employer; WHEREAS, E

August 8, 2025 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q (Mark one) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2025 or o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-38589 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 56-2392007 (State or other jurisdiction of incorporation or organization) (I.

July 29, 2025 EX-99.1

Three Months Ended (Dollars in thousands, except share and per share data; unaudited) June 30, 2025 March 31, 2025 December 31, 2024 September 30, 2024 June 30, 2024 Income Statement Data: Interest and dividend income $ 107,797 $ 104,907 $ 102,448 $

EX-99.1 2 erccb-20250729xexx991.htm EX-99.1 Exhibit 99.1 COASTAL FINANCIAL CORPORATION ANNOUNCES SECOND QUARTER 2025 RESULTS Company Release: July 29, 2025 Everett, WA – Coastal Financial Corporation (Nasdaq: CCB) (the “Company”, "Coastal", "we", "our", or "us"), the holding company for Coastal Community Bank (the “Bank”), through which it operates a community-focused bank segment ("community bank

July 29, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 29, 2025 COASTAL FINANCIAL COR

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 29, 2025 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

July 29, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 29, 2025 COASTAL FINANCIAL COR

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 29, 2025 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

June 4, 2025 8-K

Financial Statements and Exhibits, Changes in Registrant's Certifying Accountant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 3, 2025 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

June 4, 2025 EX-16.1

Moss Adams Letter to the Securities Exchange Commission

Exhibit 16.1 June 3, 2025 U.S. Securities and Exchange Commission 100 F Street, NE Washington, DC 20549 Ladies and Gentlemen: We have read the statements made by the Company Name included under Item 4.01 of its Current Report on Form 8-K dated June 3, 2025 to be filed with the Securities and Exchange Commission. We agree with the statements concerning our Firm contained therein. Sincerely, /s/ Mos

June 3, 2025 EX-3.1

Third Amended and Restated Bylaws, effective May 28, 2025

EXHIBIT 3.1 THIRD AMENDED AND RESTATED BYLAWS OF COASTAL FINANCIAL CORPORATION (Incorporated Under the Laws of Washington) Section 1 SHAREHOLDERS’ MEETING 1.1 Place. Shareholders’ meetings will be held at such place, in or out of the State of Washington, as shall be determined by the Board of Directors and stated in the notice of meeting. 1.2 Annual Meeting. The annual meeting of the shareholders

June 3, 2025 8-K

Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 28, 2025 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

May 30, 2025 8-K

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 28, 2025 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

May 9, 2025 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q (Mark one) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2025 or o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-38589 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 56-2392007 (State or other jurisdiction of incorporation or organization) (I.

May 7, 2025 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 7, 2025 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

April 29, 2025 EX-99.1

First Quarter 2025 INVESTOR PRESENTATION Exhibit 99.1 COASTAL FINANCIAL CORPORATION 2 LEGAL INFORMATION AND DISCLAIMER Important note regarding forward-looking statements: Statements made in this presentation (or conveyed orally) which are not purely

First Quarter 2025 INVESTOR PRESENTATION Exhibit 99.1 COASTAL FINANCIAL CORPORATION 2 LEGAL INFORMATION AND DISCLAIMER Important note regarding forward-looking statements: Statements made in this presentation (or conveyed orally) which are not purely historical are forward-looking statements, as defined in the Private Securities Litigation Reform Act of 1995. This includes any statements regarding

April 29, 2025 EX-99.1

Three Months Ended (Dollars in thousands, except share and per share data; unaudited) March 31, 2025 December 31, 2024 September 30, 2024 June 30, 2024 March 31, 2024 Income Statement Data: Interest and dividend income $ 104,907 $ 102,448 $ 105,165 $

Exhibit 99.1 COASTAL FINANCIAL CORPORATION ANNOUNCES FIRST QUARTER 2025 RESULTS Company Release: April 29, 2025 Everett, WA – Coastal Financial Corporation (Nasdaq: CCB) (the “Company”, "Coastal", "we", "our", or "us"), the holding company for Coastal Community Bank (the “Bank”), through which it operates a community-focused bank segment ("community bank") with an industry leading banking as a ser

April 29, 2025 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 29, 2025 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

April 29, 2025 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 29, 2025 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

April 17, 2025 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ___)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant x Filed by a Party other than the Registrant o Check the appropriate box: o Preliminary Proxy Statement o Confidential, for Use of the Commission Only (as permitted by Rule 14a-6

April 17, 2025 DEFA14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ___)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant x Filed by a Party other than the Registrant o Check the appropriate box: o Preliminary Proxy Statement o Confidential, for Use of the Commission Only (as permitted by Rule 14a-6

April 7, 2025 PRE 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ___)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant x Filed by a Party other than the Registrant o Check the appropriate box: x Preliminary Proxy Statement o Confidential, for Use of the Commission Only (as permitted by Rule 14a-6

March 17, 2025 EX-19.1

Insider Trading Policy

CFC Insider Trading Policy CFC Insider Trading Policy Adopted: 7/22/2019 Approving Body: Board of Directors Date Approved: 07/23/2024 Version: 3.

March 17, 2025 8-K

Non-Reliance on Previously Issued Financial Statements or a Related Audit Report or Completed Interim Review

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 14, 2025 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

March 17, 2025 EX-99.1

Three Months Ended (Dollars in thousands, except share and per share data; unaudited) December 31, 2024 September 30, 2024 June 30, 2024 March 31, 2024 December 31, 2023 Income Statement Data: Interest and dividend income $ 102,448 $ 105,165 $ 97,422

Exhibit 99.1 COASTAL FINANCIAL CORPORATION ANNOUNCES FOURTH QUARTER 2024 RESULTS Company Release: January 28, 2025 Everett, WA – Coastal Financial Corporation (Nasdaq: CCB) (the “Company”, "Coastal", "we", "our", or "us"), the holding company for Coastal Community Bank (the “Bank”), through which it operates a community-focused bank with an industry leading banking as a service ("BaaS") segment, t

March 17, 2025 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 OR o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE TRANSITION PERIOD FROM TO Commission File Number 001-385

March 17, 2025 8-K/A

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K/A (Amendment No.

March 17, 2025 EX-99.1

January 28, 2025 INVESTOR PRESENTATION Exhibit 99.1 COASTAL FINANCIAL CORPORATION 2 LEGAL INFORMATION AND DISCLAIMER Important note regarding forward-looking statements: Statements made in this presentation (or conveyed orally) which are not purely h

January 28, 2025 INVESTOR PRESENTATION Exhibit 99.1 COASTAL FINANCIAL CORPORATION 2 LEGAL INFORMATION AND DISCLAIMER Important note regarding forward-looking statements: Statements made in this presentation (or conveyed orally) which are not purely historical are forward-looking statements, as defined in the Private Securities Litigation Reform Act of 1995. This includes any statements regarding C

March 17, 2025 8-K/A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K/A (Amendment No. 1) Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 28, 2025 COASTAL FINAN

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K/A (Amendment No.

March 17, 2025 EX-10.19

Employment Agreement by and among Coastal Financial Corporation, Coastal Community Bank and Brian Hamilton, dated September 30, 2024.

EMPLOYMENT AGREEMENT THIS EMPLOYMENT AGREEMENT (the " Agreement") dated as of September 30, 2024 (the "Effective Date"), is made by and between Coastal Community Bank (the "Bank"), a wholly owned subsidiary of Coastal Financial Corporation (the "Holding Company") and Brian Hamilton, an individual (the " Executive").

February 13, 2025 CORRESP

COASTAL FINANCIAL CORPORATION 5415 Evergreen Way Everett, WA 98203

COASTAL FINANCIAL CORPORATION 5415 Evergreen Way Everett, WA 98203 February 13, 2025 VIA EDGAR U.

January 28, 2025 EX-99.1

Three Months Ended (Dollars in thousands, except share and per share data; unaudited) December 31, 2024 September 30, 2024 June 30, 2024 March 31, 2024 December 31, 2023 Income Statement Data: Interest and dividend income $ 96,587 $ 105,079 $ 97,487

Exhibit 99.1 COASTAL FINANCIAL CORPORATION ANNOUNCES FOURTH QUARTER 2024 RESULTS Company Release: January 28, 2025 Everett, WA – Coastal Financial Corporation (Nasdaq: CCB) (the “Company”, "Coastal", "we", "our", or "us"), the holding company for Coastal Community Bank (the “Bank”), through which it operates a community-focused bank with an industry leading banking as a service ("BaaS") segment, t

January 28, 2025 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 28, 2025 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

January 28, 2025 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 28, 2025 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

January 28, 2025 EX-99.1

January 28, 2025 INVESTOR PRESENTATION Exhibit 99.1 COASTAL FINANCIAL CORPORATION 2 LEGAL INFORMATION AND DISCLAIMER Important note regarding forward-looking statements: Statements made in this presentation (or conveyed orally) which are not purely h

January 28, 2025 INVESTOR PRESENTATION Exhibit 99.1 COASTAL FINANCIAL CORPORATION 2 LEGAL INFORMATION AND DISCLAIMER Important note regarding forward-looking statements: Statements made in this presentation (or conveyed orally) which are not purely historical are forward-looking statements, as defined in the Private Securities Litigation Reform Act of 1995. This includes any statements regarding C

January 24, 2025 CORRESP

COASTAL FINANCIAL CORPORATION 5415 Evergreen Way Everett, WA 98203

COASTAL FINANCIAL CORPORATION 5415 Evergreen Way Everett, WA 98203 January 24, 2025 VIA EDGAR U.

December 12, 2024 EX-1.1

Underwriting Agreement dated December 10, 2024, by and among the Company, the Bank and Keefe, Bruyette & Woods, Inc., as representative of the underwriters named in Schedule I thereto.

Exhibit 1.1 1,200,000 Shares COASTAL FINANCIAL CORPORATION Common Stock UNDERWRITING AGREEMENT December 10, 2024 KEEFE, BRUYETTE & WOODS, INC. 787 Seventh Avenue 4th Floor New York, New York 10019 (As representative of the Underwriters listed in Schedule I hereto) Ladies and Gentlemen: Coastal Financial Corporation, a Washington corporation (the “Company”), proposes to issue and sell to the severa

December 12, 2024 EX-99.2

Coastal Financial Corporation Prices Public Offering of Common Stock

Exhibit 99.2 Coastal Financial Corporation Prices Public Offering of Common Stock EVERETT, Wash., Dec. 10, 2024 (GLOBE NEWSWIRE) - Coastal Financial Corporation (NASDAQ: CCB) (“Coastal” or the “Company”), the holding company for Coastal Community Bank (the “Bank”), today announced the pricing of an underwritten public offering of 1,200,000 shares of its common stock, no par value per share (the “C

December 12, 2024 424B5

1,200,000 Shares Common Stock

424B5 1 e24466ccb-424b5.htm Filed pursuant to Rule 424(b)(5) Registration Statement No. 333-279879 PROSPECTUS SUPPLEMENT (To Prospectus dated June 13, 2024) 1,200,000 Shares Common Stock We are offering 1,200,000 shares of our common stock, no par value per share. Our common stock is listed for trading on the Nasdaq Global Select Market, or Nasdaq, under the symbol “CCB.” On December 10, 2024, the

December 12, 2024 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 10, 2024 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

December 12, 2024 EX-99.1

Coastal Financial Corporation Announces Proposed Public Offering of Common Stock

Exhibit 99.1 FOR IMMEDIATE RELEASE Contact: Joel Edwards CFO 425.357.6987 [email protected] Coastal Financial Corporation Announces Proposed Public Offering of Common Stock EVERETT, Wash., December 10, 2024 – Coastal Financial Corporation (NASDAQ: CCB) (“Coastal” or the “Company”), the holding company for Coastal Community Bank (the “Bank”), today announced the launch of a proposed underwri

December 10, 2024 424B5

SUBJECT TO COMPLETION, DATED DECEMBER 10, 2024

Filed pursuant to Rule 424(b)(5) Registration Statement No. 333-279879 This preliminary prospectus supplement and the accompanying prospectus are part of an effective registration statement filed with the U.S. Securities and Exchange Commission under the Securities Act of 1933, as amended, and the information in this preliminary prospectus supplement is not complete and may be changed. This prelim

December 10, 2024 FWP

Issuer Free Writing Prospectus

Issuer Free Writing Prospectus Dated December 10, 2024 Filed Pursuant to Rule 433 Registration Statement No.

November 8, 2024 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q (Mark one) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2024 or o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-38589 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 56-2392007 (State or other jurisdiction of incorporation or organization) (I.

October 28, 2024 EX-99.1

Three Months Ended (Dollars in thousands, except share and per share data; unaudited) September 30, 2024 June 30, 2024 March 31, 2024 December 31, 2023 September 30, 2023 Income Statement Data: Interest and dividend income $ 105,079 $ 97,487 $ 90,472

Exhibit 99.1 COASTAL FINANCIAL CORPORATION ANNOUNCES THIRD QUARTER 2024 RESULTS Company Release: October 28, 2024 Everett, WA – Coastal Financial Corporation (Nasdaq: CCB) (the “Company”, "Coastal", "we", "our", or "us"), the holding company for Coastal Community Bank (the “Bank”), through which it operates a community-focused bank with an industry leading banking as a service ("BaaS") segment, to

October 28, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 28, 2024 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

October 28, 2024 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 28, 2024 COASTAL FINANCIAL

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 28, 2024 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

October 28, 2024 EX-99.1

Investor Presentation, dated October 28, 2024

October 3, 2024 EX-99.1

1

Exhibit 99.1 Coastal Community Bank Appoints President to CCBX Division EVERETT, Wash., October 3, 2024 (GLOBE NEWSWIRE) - Coastal Financial Corporation (Nasdaq: CCB) (the “Company”), and its subsidiary, Coastal Community Bank (the “Bank”), announced that its role of President of the Bank is to be bifurcated to accommodate the Bank’s growth and plans for the future. The Bank announced the appointm

October 3, 2024 8-K

Regulation FD Disclosure, Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): September 30, 2024 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

August 8, 2024 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q (Mark one) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2024 or o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-38589 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 56-2392007 (State or other jurisdiction of incorporation or organization) (I.

July 29, 2024 EX-99.1

July 29, 2024 INVESTOR PRESENTATION Exhibit 99.1 COASTAL FINANCIAL CORPORATION 2 LEGAL INFORMATION AND DISCLAIMER This presentation and oral statements made regarding the subject of this presentation contain forward-looking statements within the mean

July 29, 2024 INVESTOR PRESENTATION Exhibit 99.1 COASTAL FINANCIAL CORPORATION 2 LEGAL INFORMATION AND DISCLAIMER This presentation and oral statements made regarding the subject of this presentation contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements reflect Coastal Financial Corporation (“Coastal” or “CFC

July 29, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 29, 2024 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

July 29, 2024 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 29, 2024 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

July 29, 2024 EX-99.1

Yield on Loans (2)

Exhibit 99.1 COASTAL FINANCIAL CORPORATION ANNOUNCES SECOND QUARTER 2024 RESULTS Company Release: July 29, 2024 Second Quarter 2024 Highlights: •Net income of $11.6 million, or $0.84 per diluted common share, for the three months ended June 30, 2024, compared to $6.8 million, or $0.50 per diluted common share, for the three months ended March 31, 2024. ◦Return on average assets ("ROA") of 1.21% fo

June 11, 2024 CORRESP

COASTAL FINANCIAL CORPORATION 5415 Evergreen Way Everett, WA 98203

COASTAL FINANCIAL CORPORATION 5415 Evergreen Way Everett, WA 98203 June 11, 2024 Via EDGAR U.

May 31, 2024 EX-FILING FEES

Calculation of Filing Fee Tables Form S-3 (Form Type) Coastal Financial Corporation (Exact Name of Registrant as Specified in its Charter) Table 1: Newly Registered Securities

EXHIBIT 107 Calculation of Filing Fee Tables Form S-3 (Form Type) Coastal Financial Corporation (Exact Name of Registrant as Specified in its Charter) Table 1: Newly Registered Securities Security Type Security Class Title Fee Calculation Rule Amount Registered Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee Fees to Be Paid Equity Commo

May 31, 2024 S-3

As filed with the Securities and Exchange Commission on May 31, 2024

As filed with the Securities and Exchange Commission on May 31, 2024 Registration No.

May 31, 2024 EX-4.3

Form of Subordinated Debt Indenture.

Exhibit 4.3 COASTAL FINANCIAL CORPORATION AS ISSUER, AND [], AS TRUSTEE, SUBORDINATED INDENTURE DATED AS OF [, ] SUBORDINATED DEBT SECURITIES CROSS-REFERENCE TABLE Reconciliation and tie between the Trust Indenture Act of 1939, as amended (the “Trust Indenture Act”), and the Indenture dated as of . SECTION OF Trust Indenture Act SECTION OF INDENTURE 310(a)(1) and (2) 7.09 310(a)(3) and (4) Not app

May 31, 2024 EX-4.2

Form of Senior Debt Indenture.

Exhibit 4.2 COASTAL FINANCIAL CORPORATION AS ISSUER, AND [], AS TRUSTEE, SENIOR INDENTURE DATED AS OF [, ] SENIOR DEBT SECURITIES CROSS-REFERENCE TABLE Reconciliation and tie between the Trust Indenture Act of 1939, as amended (the “Trust Indenture Act”), and the Indenture dated as of . SECTION OF Trust Indenture Act SECTION OF INDENTURE 310(a)(1) and (2) 7.09 310(a)(3) and (4) Not applicable 310(

May 28, 2024 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 22, 2024 COASTAL FINANCIAL CORP

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 22, 2024 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

May 9, 2024 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q

Table of Contents, UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q (Mark one) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2024 or o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-38589 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 56-2392007 (State or other jurisdiction of incorporation or organization) (I.

April 29, 2024 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 29, 2024 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

April 29, 2024 EX-99.1

April 29, 2024 INVESTOR PRESENTATION COASTAL FINANCIAL CORPORATION 2 LEGAL INFORMATION AND DISCLAIMER This presentation and oral statements made regarding the subject of this presentation contain forward-looking statements within the meaning of the P

April 29, 2024 INVESTOR PRESENTATION COASTAL FINANCIAL CORPORATION 2 LEGAL INFORMATION AND DISCLAIMER This presentation and oral statements made regarding the subject of this presentation contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.

April 29, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 29, 2024 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

April 29, 2024 EX-99.1

Income / expense divided by average CCBX loans (2)

Exhibit 99.1 COASTAL FINANCIAL CORPORATION ANNOUNCES FIRST QUARTER 2024 RESULTS Company Release: April 29, 2024 First Quarter 2024 Highlights: •Net income of $6.8 million, or $0.50 per diluted common share, for the three months ended March 31, 2024, compared to $9.0 million, or $0.66 per diluted common share for the three months ended December 31, 2023 ◦Return on average assets ("ROA") of 0.73% fo

April 5, 2024 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ___)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant x Filed by a Party other than the Registrant o Check the appropriate box: o Preliminary Proxy Statement o Confidential, for Use of the Commission Only (as permitted by Rule 14a-6

April 5, 2024 DEFA14A

*** Exercise Your Right to Vote *** NOTICE OF INTERNET AVAILABILITY OF PROXY MATERIALS The 2024 Annual Meeting of Shareholders of Coastal Financial Corporation (the “Company”) to be held virtually on Wednesday, May 22, 2024 at 6:00 p.m. Pacific Time

*** Exercise Your Right to Vote *** NOTICE OF INTERNET AVAILABILITY OF PROXY MATERIALS The 2024 Annual Meeting of Shareholders of Coastal Financial Corporation (the “Company”) to be held virtually on Wednesday, May 22, 2024 at 6:00 p.

March 15, 2024 EX-97.1

Executive Compensation Clawback Policy

EXHIBIT 97.1 Executive Compensation Clawback Policy Coastal Community Bank Adopted: 7/22/2019 Board Approved: 12/04/2023 Version: #3.0 Executive Compensation Clawback Policy 1. Purpose The Board of Directors (the “Board”) of Coastal Financial Corporation (the “Company”) has adopted this Executive Compensation Clawback Policy (the “Policy”) which provides for the recoupment of incentive-based compe

March 15, 2024 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 OR o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE TRANSITION PERIOD FROM TO Commission File Number 001-385

February 14, 2024 SC 13G/A

CCB / Coastal Financial Corporation / ENDEAVOUR CAPITAL ADVISORS INC - SC 13G/A Passive Investment

SC 13G/A 1 d698249dsc13ga.htm SC 13G/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G/A (Amendment No. 3)* Under the Securities Exchange Act of 1934 Coastal Financial Corporation (Name of Issuer) Common Stock, no par value (Title of Class of Securities) 19046P209 (CUSIP Number) December 31, 2023 (Date of Event which Requires Filing of this Statement) Check the

January 30, 2024 EX-99.1

Income / expense divided by average CCBX loans (2)

Exhibit 99.1 COASTAL FINANCIAL CORPORATION ANNOUNCES FOURTH QUARTER AND FISCAL YEAR 2023 RESULTS Company Release: January 30, 2024 Fourth Quarter 2023 Highlights: •Net income of $9.0 million, or $0.66 per diluted common share, for the three months ended December 31, 2023, compared to $10.3 million, or $0.75 per diluted common share for the three months ended September 30, 2023. ◦Return on average

January 30, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 30, 2024 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

January 30, 2024 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 30, 2024 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

January 30, 2024 EX-99.1

January 30, 2024 INVESTOR PRESENTATION COASTAL FINANCIAL CORPORATION 2 LEGAL INFORMATION AND DISCLAIMER This presentation and oral statements made regarding the subject of this presentation contain forward-looking statements within the meaning of the

January 30, 2024 INVESTOR PRESENTATION COASTAL FINANCIAL CORPORATION 2 LEGAL INFORMATION AND DISCLAIMER This presentation and oral statements made regarding the subject of this presentation contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.

January 4, 2024 EX-99.1

1

Exhibit 99.1 Brian Hamilton Joins Coastal Financial Corporation Board of Directors EVERETT, Wash., January 4, 2024 (GLOBE NEWSWIRE) - Coastal Financial Corporation (Nasdaq: CCB), the bank holding company for Coastal Community Bank announced that Brian Hamilton has joined its Board of Directors. Mr. Hamilton is a seasoned financial technology executive and business leader, with more than 25 years o

January 4, 2024 8-K

Regulation FD Disclosure, Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 1, 2024 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

November 8, 2023 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q

Table of Contents, UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q (Mark one) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 or o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-38589 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 56-2392007 (State or other jurisdiction of incorporation or organization) (I.

October 27, 2023 EX-99.1

Income / expense divided by average CCBX loans (2)

Exhibit 99.1 COASTAL FINANCIAL CORPORATION ANNOUNCES THIRD QUARTER 2023 RESULTS Company Release: October 27, 2023 Third Quarter 2023 Highlights: •Net income of $10.3 million, or $0.75 per diluted common share, for the three months ended September 30, 2023, compared to $12.9 million, or $0.95 per diluted common share for the three months ended June 30, 2023. ◦Return on average assets ("ROA") of 1.1

October 27, 2023 EX-99.1

October 27, 2023 INVESTOR PRESENTATION Exhibit 99.1 COASTAL FINANCIAL CORPORATION 2 LEGAL INFORMATION AND DISCLAIMER This presentation and oral statements made regarding the subject of this presentation contain forward-looking statements within the m

October 27, 2023 INVESTOR PRESENTATION Exhibit 99.1 COASTAL FINANCIAL CORPORATION 2 LEGAL INFORMATION AND DISCLAIMER This presentation and oral statements made regarding the subject of this presentation contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements reflect Coastal Financial Corporation (“Coastal” or “

October 27, 2023 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 27, 2023 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

October 27, 2023 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 27, 2023 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

August 8, 2023 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q

Table of Contents, UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q (Mark one) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 or o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-38589 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 56-2392007 (State or other jurisdiction of incorporation or organization) (I.

July 28, 2023 EX-99.1

July 27, 2023 INVESTOR PRESENTATION Exhibit 99.1 COASTAL FINANCIAL CORPORATION 2 LEGAL INFORMATION AND DISCLAIMER This presentation and oral statements made regarding the subject of this presentation contain forward-looking statements within the mean

July 27, 2023 INVESTOR PRESENTATION Exhibit 99.1 COASTAL FINANCIAL CORPORATION 2 LEGAL INFORMATION AND DISCLAIMER This presentation and oral statements made regarding the subject of this presentation contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements reflect Coastal Financial Corporation (“Coastal” or “CFC

July 28, 2023 EX-99.1

Income / expense divided by average CCBX loans (2)

Exhibit 99.1 COASTAL FINANCIAL CORPORATION ANNOUNCES SECOND QUARTER 2023 RESULTS Company Release: July 27, 2023 Second Quarter 2023 Highlights: •Net income of $12.9 million, or $0.95 per diluted common share, for the three months ended June 30, 2023, compared to $12.4 million, or $0.91 per diluted common share for the three months ended March 31, 2023. ◦Return on average assets ("ROA") of 1.52% fo

July 28, 2023 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 27, 2023 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

July 28, 2023 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 27, 2023 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

May 25, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 23, 2023 COASTAL FINANCIAL CORP

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 23, 2023 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

May 10, 2023 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q

Table of Contents, UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q (Mark one) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 or o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-38589 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 56-2392007 (State or other jurisdiction of incorporation or organization) (I.

April 28, 2023 EX-99.1

Income / expense divided by average CCBX loans (2)

Exhibit 99.1 COASTAL FINANCIAL CORPORATION ANNOUNCES FIRST QUARTER 2023 RESULTS Company Release: April 27, 2023 First Quarter 2023 Highlights: •Quarterly net income of $12.4 million, or $0.91 per diluted common share, for the three months ended March 31, 2023, compared to $13.1 million, or $0.96 per diluted common share for the three months ended December 31, 2022. •Total assets increased $306.6 m

April 28, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 27, 2023 COASTAL FINANCIAL CO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 27, 2023 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

April 28, 2023 EX-99.1

April 27, 2023 INVESTOR PRESENTATION Exhibit 99.1 COASTAL FINANCIAL CORPORATION 2 LEGAL INFORMATION AND DISCLAIMER This presentation and oral statements made regarding the subject of this presentation contain forward-looking statements within the mea

ipcoastalfinancialcorp-i April 27, 2023 INVESTOR PRESENTATION Exhibit 99.1 COASTAL FINANCIAL CORPORATION 2 LEGAL INFORMATION AND DISCLAIMER This presentation and oral statements made regarding the subject of this presentation contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements reflect Coastal Financial Corp

April 28, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 27, 2023 COASTAL FINANCIAL CO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 27, 2023 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

April 7, 2023 DEFA14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ___)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant x Filed by a Party other than the Registrant o Check the appropriate box: o Preliminary Proxy Statement o Confidential, for Use of the Commission Only (as permitted by Rule 14a-6

April 7, 2023 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ___)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant x Filed by a Party other than the Registrant o Check the appropriate box: o Preliminary Proxy Statement o Confidential, for Use of the Commission Only (as permitted by Rule 14a-6

April 3, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 31, 2023 COASTAL FINANCIAL CO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 31, 2023 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

March 16, 2023 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 OR o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE TRANSITION PERIOD FROM TO Commission File Number 001-385

March 16, 2023 EX-10.12

Lease Amendment 4.0 dated as of January 31, 2023, between certain persons and Coastal Community Bank

EXHIBIT 10.12 FOURTH AMENDMENT OF LEASE This FOURTH AMENDMENT OF LEASE is made to be effective the 31st day of January, 2023 (this “Amendment”), by and between Skotdal Brothers, LLC, a Washington limited liability company, successor in interest to Skotdal Revocable Living Trust and Arthur W. Skotdal; and MJS Everett LLC, a Washington limited liability company, successor in interest to Edwin McRory

February 14, 2023 SC 13G/A

CCB / COASTAL FINANCIAL CORP / ENDEAVOUR CAPITAL ADVISORS INC - SC 13G/A Passive Investment

SC 13G/A 1 d421660dsc13ga.htm SC 13G/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G/A (Amendment No. 2)* Under the Securities Exchange Act of 1934 Coastal Financial Corporation (Name of Issuer) Common Stock, no par value (Title of Class of Securities) 19046P209 (CUSIP Number) December 31, 2022 (Date of Event which Requires Filing of this Statement) Check the

January 27, 2023 EX-99.1

January 27, 2023 INVESTOR PRESENTATION Exhibit 99.1 2 LEGAL INFORMATION AND DISCLAIMER This presentation and oral statements made regarding the subject of this presentation contain forward-looking statements within the meaning of the Private Securiti

January 27, 2023 INVESTOR PRESENTATION Exhibit 99.1 2 LEGAL INFORMATION AND DISCLAIMER This presentation and oral statements made regarding the subject of this presentation contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements reflect Coastal Financial Corporation (“Coastal” or “CFC”)’s current views with res

January 27, 2023 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 27, 2023 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

January 27, 2023 EX-99.1

Income / expense divided by average CCBX loans (2)

Exhibit 99.1 COASTAL FINANCIAL CORPORATION ANNOUNCES FOURTH QUARTER 2022 RESULTS Company Release: January 27, 2023 Fourth Quarter 2022 Highlights: •Quarterly net income of $13.1 million, or $0.96 per diluted common share, for the three months ended December 31, 2022, compared to $11.1 million, or $0.82 per diluted common share for the three months ended September 30, 2022. •Total assets increased

January 27, 2023 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 27, 2023 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

November 9, 2022 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q

Table of Contents, UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q (Mark one) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2022 or o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-38589 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 56-2392007 (State or other jurisdiction of incorporation or organization) (I.

November 1, 2022 EX-10.1

Form of Subordinated Note Purchase Agreement, dated as of November 1, 2022

EXHIBIT 10.1 SUBORDINATED NOTE PURCHASE AGREEMENT This SUBORDINATED NOTE PURCHASE AGREEMENT (this ?Agreement?) is dated as of November 1, 2022, and is made by and between Coastal Financial Corporation, a Washington corporation (the ?Company?), and the purchaser of the Subordinated Notes (as defined herein) identified on the signature page hereto (the ?Purchaser?). RECITALS WHEREAS, the Company has

November 1, 2022 8-K

Regulation FD Disclosure, Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 1, 2022 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

November 1, 2022 EX-99.1

###

EXHIBIT 99.1 FOR IMMEDIATE RELEASE Contact: Joel Edwards CFO 425.357.3687 [email protected] Coastal Financial Corporation Completes Private Placement of $20 million of Subordinated Notes EVERETT, Wash., November 1, 2022 ? Coastal Financial Corporation (NASDAQ: CCB) (?Coastal? or the ?Company?), the holding company for Coastal Community Bank (the ?Bank?), today announced the completion of it

November 1, 2022 EX-4.1

Form of 7.00% Fixed-to-Floating Rate Subordinated Note due November 1, 2032

EXHIBIT 4.1 SUBORDINATED NOTE COASTAL FINANCIAL CORPORATION 7.00% FIXED-TO-FLOATING RATE SUBORDINATED NOTE DUE NOVEMBER 1, 2032 THE INDEBTEDNESS EVIDENCED BY THIS SUBORDINATED NOTE IS SUBORDINATED AND JUNIOR IN RIGHT OF PAYMENT TO SENIOR INDEBTEDNESS (AS DEFINED IN SECTION 3 OF THIS SUBORDINATED NOTE) OF COASTAL FINANCIAL CORPORATION (THE ?COMPANY?), INCLUDING OBLIGATIONS OF THE COMPANY TO ITS GEN

October 31, 2022 8-K

Regulation FD Disclosure

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 27, 2022 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

October 27, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 27, 2022 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

October 27, 2022 EX-99.1

October 27, 2022 INVESTOR PRESENTATION Exhibit 99.1 2 LEGAL INFORMATION AND DISCLAIMER This presentation and oral statements made regarding the subject of this presentation contain forward-looking statements within the meaning of the Private Securiti

October 27, 2022 INVESTOR PRESENTATION Exhibit 99.1 2 LEGAL INFORMATION AND DISCLAIMER This presentation and oral statements made regarding the subject of this presentation contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements reflect Coastal Financial Corporation (?Coastal? or ?CFC?)?s current views with res

October 27, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 27, 2022 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

October 27, 2022 EX-99.1

Percent of

Exhibit 99.1 COASTAL FINANCIAL CORPORATION ANNOUNCES THIRD QUARTER 2022 RESULTS Company Release: October 27, 2022 Third Quarter 2022 Highlights: ?Second consecutive quarter of record net income. Quarterly net income of $11.1 million, or $0.82 per diluted common share, for the three months ended September 30, 2022, compared to $10.2 million, or $0.76 per diluted common share for the three months en

August 5, 2022 EX-10.1

Employment agreement by and among Coastal Financial Corporation, Coastal Community Bank and Curt Queyrouze dated May 18, 2022

EXHIBIT 10.1 EMPLOYMENT AGREEMENT THIS EMPLOYMENT AGREEMENT (the ?Agreement?) dated as of May 18, 2022 (the ?Effective Date?), is made by and among Coastal Financial Corporation (the ?Holding Company?), Everett, Washington, Coastal Community Bank (the ?Bank?), Everett, Washington, and Curt Queyrouze, an individual (the ?Executive?). RECITALS WHEREAS, the Holding Company and the Bank desire to hire

August 5, 2022 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q

level452.9 No UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q (Mark one) ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 or ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-3858

July 27, 2022 EX-99.1

LEGAL INFORMATION AND DISCLAIMER This presentation and oral statements made regarding the subject of this presentation contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-lookin

July 27, 2022 INVESTOR PRESENTATION Exhibit 99.1 LEGAL INFORMATION AND DISCLAIMER This presentation and oral statements made regarding the subject of this presentation contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements reflect Coastal Financial Corporation (?Coastal? or ?CFC?)?s current views with respect

July 27, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 27, 2022 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

July 27, 2022 EX-99.1

Total PPP Loan Origination

Exhibit 99.1 COASTAL FINANCIAL CORPORATION ANNOUNCES SECOND QUARTER 2022 RESULTS Company Release: July 27, 2022 Second Quarter 2022 Highlights: ? Record quarterly net income of $10.2 million, or $0.76 per diluted common share, for the three months ended June 30, 2022, compared to $6.2 million, or $0.46 per diluted common share for the three months ended March 31, 2022. ? Total assets increased $13

July 27, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 27, 2022 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

May 26, 2022 8-K

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 24, 2022 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

May 19, 2022 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 18, 2022 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

May 19, 2022 EX-99.1

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EXHIBIT 99.1 For Immediate Release Contact: Joel Edwards Chief Financial Officer 425.357.3687 [email protected] EVERETT, Wash., May 18, 2022 (GLOBE NEWSWIRE) - Coastal Financial Corporation (Nasdaq: CCB) (the ?Company?), the holding company for Coastal Community Bank (the ?Bank?), announced the hiring of Curt Queyrouze as President. Eric Sprink will continue as CEO as the Bank expands the E

May 6, 2022 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q

452.9 No UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q (Mark one) ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 or ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-38589 CO

April 27, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 27, 2022 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

April 27, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 27, 2022 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

April 27, 2022 EX-99.1

LEGAL INFORMATION AND DISCLAIMER This presentation and oral statements made regarding the subject of this presentation contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-lookin

April 27, 2022 INVESTOR PRESENTATION Exhibit 99.1 LEGAL INFORMATION AND DISCLAIMER This presentation and oral statements made regarding the subject of this presentation contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements reflect Coastal Financial Corporation (?Coastal? or ?CFC?)?s current views with respect

April 27, 2022 EX-99.1

Total PPP Loan Origination

Exhibit 99.1 COASTAL FINANCIAL CORPORATION ANNOUNCES FIRST QUARTER 2022 RESULTS Company Release: April 27, 2022 First Quarter 2022 Highlights: ? Total assets increased $198.2 million, or 7.5%, to $2.83 billion for the quarter ended March 31, 2022, compared to $2.64 billion at December 31, 2021. ? Non-PPP loan growth of $283.8 million, or 17.3%, for the three months ended March 31, 2022, compared t

April 8, 2022 DEFA14A

SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ___)

SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.

April 8, 2022 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ___)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ? Filed by a Party other than the Registrant ? Check the appropriate box: ? Preliminary Proxy Statement ? Confidential, for Use of the Commission Only (as permitted by Rule 14a-6

March 14, 2022 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ? ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE TRANSITION PERIOD FROM TO Commission File Number 001-38589 COASTAL FINANCI

March 14, 2022 EX-21.1

Subsidiaries of Coastal Financial Corporation As of December 31, 2021

Exhibit 21.1 Subsidiaries of Coastal Financial Corporation As of December 31, 2021 Name of Entity Jurisdiction of Organization Coastal Community Bank Washington Coastal (WA) Statutory Trust I Delaware Arlington Olympic LLC Washington

February 28, 2022 SC 13G/A

CCB / COASTAL FINANCIAL CORP / EJF Capital LLC Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 4) Coastal Financial Corporation (Name of Issuer) Common Stock, no par value (Title of Class of Securities) 19046P209 (CUSIP Number) December 31, 2021 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pur

February 16, 2022 SC 13G/A

CCB / COASTAL FINANCIAL CORP / MANULIFE FINANCIAL CORP - AMENDMENT TO SCHEDULE FILED TO REPORT ACQUISITION OF BENEFICIAL OWNERSHIP Passive Investment

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G (Amendment No. 2)* Under the Securities Exchange Act of 1934 Coastal Financial Corporation (Name of Issuer) Common Stock (Title of Class of Securities) 19046P209 (CUSIP Number) December 31, 2021 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which this Schedul

February 14, 2022 EX-99.1

AGREEMENT OF JOINT FILING

EX-99.1 2 d238935dex991.htm EX-99.1 Page 9 of 9 Pages EXHIBIT 1 AGREEMENT OF JOINT FILING Endeavour Capital Advisors Inc., Laurence M. Austin, Mitchell J. Katz and Jonah Marcus hereby agree that the Statement on Schedule 13G to which this agreement is attached as an exhibit as well as all future amendments to such Statement, shall be filed jointly on behalf of each of them. This agreement is inten

February 14, 2022 SC 13G/A

CCB / COASTAL FINANCIAL CORP / ENDEAVOUR CAPITAL ADVISORS INC - SC 13G/A Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G/A (Amendment No. 1)* Under the Securities Exchange Act of 1934 Coastal Financial Corporation (Name of Issuer) Common Stock, no par value (Title of Class of Securities) 19046P209 (CUSIP Number) December 31, 2021 (Date of Event which Requires Filing of this Statement) Check the appropriate box to designate the rule

February 9, 2022 SC 13G/A

CCB / COASTAL FINANCIAL CORP / FJ Capital Management LLC Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 3) * Coastal Financial Corporation (CCB) (Name of Issuer) Common Stock (Title of Class of Securities) 19046P209 (CUSIP Number) 12/31/2021 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to whic

January 27, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 27, 2022 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

January 27, 2022 EX-99.1

Total PPP Loan Origination

Exhibit 99.1 COASTAL FINANCIAL CORPORATION ANNOUNCES FOURTH QUARTER AND YEAR END 2021 RESULTS Company Release: January 27, 2022 Fourth Quarter 2021 Highlights: ? Non-PPP loan growth of $186.8 million, or 12.9%, for three months ended December 31, 2021, compared to the three months ended September 30, 2021. o CCBX loans increased $156.5 million, or 82.3%, o Community bank loans increased $30.3 mill

January 27, 2022 EX-99.1

LEGAL INFORMATION AND DISCLAIMER This presentation and oral statements made regarding the subject of this presentation contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-lookin

January 27, 2022 INVESTOR PRESENTATION Exhibit 99.1 LEGAL INFORMATION AND DISCLAIMER This presentation and oral statements made regarding the subject of this presentation contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements reflect Coastal Financial Corporation (?Coastal? or ?CFC?)?s current views with respe

January 27, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 27, 2022 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

December 20, 2021 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 13, 2021 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

December 20, 2021 EX-99.1

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Exhibit 99.1 For Immediate Release Contact: Joel Edwards CFO 425.357.3687 [email protected] Coastal Financial Corporation Announces Public Offering of Common Stock EVERETT, Wash., December 13, 2021 ? Coastal Financial Corporation (NASDAQ: CCB) (?Coastal? or the ?Company?), the holding company for Coastal Community Bank (the ?Bank?), today announced the launch of an underwritten public offer

December 20, 2021 EX-99.2

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Exhibit 99.2 For Immediate Release Contact: Joel Edwards CFO 425.357.3687 [email protected] Coastal Financial Corporation Prices Public Offering of Common Stock EVERETT, Wash., December 14, 2021 ? Coastal Financial Corporation (NASDAQ: CCB) (?Coastal? or the ?Company?), the holding company for Coastal Community Bank (the ?Bank?), today announced the pricing of an underwritten public offerin

December 20, 2021 EX-99.3

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Exhibit 99.3 For Immediate Release Contact: Joel Edwards CFO 425.357.3687 [email protected] Coastal Financial Corporation Closes Public Offering of Common Stock EVERETT, Wash., December 17, 2021 ? Coastal Financial Corporation (NASDAQ: CCB) (?Coastal? or the ?Company?), the holding company for Coastal Community Bank (the ?Bank?), today announced the closing of its underwritten public offeri

December 20, 2021 EX-1.1

Underwriting Agreement, dated December 14, 2021, by and among the Company, the Bank and Keefe, Bruyette & Woods, Inc., as representative of the underwriters named in Schedule I thereto.

Exhibit 1.1 740,742 Shares COASTAL FINANCIAL CORPORATION Common Stock UNDERWRITING AGREEMENT December 14, 2021 KEEFE, BRUYETTE & WOODS, INC. 787 Seventh Avenue 4th Floor New York, New York 10019 (As representative of the Underwriters listed in Schedule I hereto) Ladies and Gentlemen: Coastal Financial Corporation, a Washington corporation (the ?Company?), proposes to issue and sell to the several

December 17, 2021 EX-1.1

Underwriting Agreement, dated December 14, 2021, by and among the Company, the Bank and Keefe, Bruyette & Woods, Inc., as representative of the underwriters named in Schedule I thereto.

Exhibit 1.1 740,742 Shares COASTAL FINANCIAL CORPORATION Common Stock UNDERWRITING AGREEMENT December 14, 2021 KEEFE, BRUYETTE & WOODS, INC. 787 Seventh Avenue 4th Floor New York, New York 10019 (As representative of the Underwriters listed in Schedule I hereto) Ladies and Gentlemen: Coastal Financial Corporation, a Washington corporation (the ?Company?), proposes to issue and sell to the several

December 17, 2021 EX-99.1

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Exhibit 99.1 For Immediate Release Contact: Joel Edwards CFO 425.357.3687 [email protected] Coastal Financial Corporation Announces Public Offering of Common Stock EVERETT, Wash., December 13, 2021 ? Coastal Financial Corporation (NASDAQ: CCB) (?Coastal? or the ?Company?), the holding company for Coastal Community Bank (the ?Bank?), today announced the launch of an underwritten public offer

December 17, 2021 EX-99.3

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Exhibit 99.3 For Immediate Release Contact: Joel Edwards CFO 425.357.3687 [email protected] Coastal Financial Corporation Closes Public Offering of Common Stock EVERETT, Wash., December 17, 2021 ? Coastal Financial Corporation (NASDAQ: CCB) (?Coastal? or the ?Company?), the holding company for Coastal Community Bank (the ?Bank?), today announced the closing of its underwritten public offeri

December 17, 2021 EX-99.2

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Exhibit 99.2 For Immediate Release Contact: Joel Edwards CFO 425.357.3687 [email protected] Coastal Financial Corporation Prices Public Offering of Common Stock EVERETT, Wash., December 14, 2021 ? Coastal Financial Corporation (NASDAQ: CCB) (?Coastal? or the ?Company?), the holding company for Coastal Community Bank (the ?Bank?), today announced the pricing of an underwritten public offerin

December 17, 2021 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 13, 2021 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

December 15, 2021 424B5

Common Stock

Filed pursuant to Rule 424(b)(5) Registration Statement No. 333-255210 PROSPECTUS SUPPLEMENT (To Prospectus dated April 22, 2021) $30,000,051 Common Stock We are offering 740,742 shares of our common stock, no par value per share. Our common stock is listed for trading on the Nasdaq Global Select Market, or Nasdaq, under the symbol ?CCB.? On December 14, 2021, the last reported sale price of our c

December 13, 2021 FWP

Follow - On Offering Investor Presentation December 2021 Issuer Free Writing Prospectus Dated December 13, 2021 Filed Pursuant to Rule 433 Registration Statement No. 333 - 255210

Follow - On Offering Investor Presentation December 2021 Issuer Free Writing Prospectus Dated December 13, 2021 Filed Pursuant to Rule 433 Registration Statement No.

December 13, 2021 424B5

SUBJECT TO COMPLETION PRELIMINARY PROSPECTUS SUPPLEMENT DATED DECEMBER 13, 2021

This preliminary prospectus supplement relates to an effective registration statement under the Securities Act of 1933, as amended, but it is not complete and may be changed.

December 13, 2021 FWP

FWP

November 8, 2021 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q

452.9 No UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q (Mark one) ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2021 or ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-3858

October 27, 2021 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 27, 2021 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

October 27, 2021 EX-99.2

LEGAL INFORMATION AND DISCLAIMER This presentation and oral statements made regarding the subject of this presentation contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-lookin

October 27, 2021 INVESTOR PRESENTATION Exhibit 99.2 LEGAL INFORMATION AND DISCLAIMER This presentation and oral statements made regarding the subject of this presentation contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements reflect Coastal Financial Corporation (?Coastal? or ?CFC?)?s current views with respe

October 27, 2021 EX-99.1

Total PPP Loan Origination

Exhibit 99.1 COASTAL FINANCIAL CORPORATION ANNOUNCES THIRD QUARTER 2021 RESULTS Company Release: October 27, 2021 Third Quarter 2021 Highlights: ? Total assets increased $444.4 million, or 22.1%, to $2.45 billion for the quarter ended September 30, 2021, compared to $2.01 billion at June 30, 2021. ? Total deposits increased $421.9 million, or 23.4%, to $2.22 billion for the quarter ended September

October 7, 2021 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 4, 2021 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

October 7, 2021 EX-10.1

Second Amended and Restated Employment Agreement by and among Coastal Financial Corporation, Coastal Community Bank and Eric M. Sprink dated October 4, 2021.

EXHIBIT 10.1 SECOND AMENDED AND RESTATED EMPLOYMENT AGREEMENT THIS SECOND AMENDED AND RESTATED EMPLOYMENT AGREEMENT (the ?Agreement?) dated as of October 4, 2021 (the ?Effective Date?), is made by and among Coastal Financial Corporation (the ?Holding Company?), Everett, Washington, Coastal Community Bank (the ?Bank?), Everett, Washington, and Eric Sprink (the ?Executive?). WHEREAS, the Executive i

October 4, 2021 8-K

Regulation FD Disclosure, Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): September 28, 2021 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

October 4, 2021 EX-99.1

Joel Edwards

EXHIBIT 99.1 For Immediate Release Contact: Joel Edwards Chief Financial Officer 425.357.3687 [email protected] Michael Patterson Joins Coastal Financial Corporation Board of Directors EVERETT, Wash., October 4, 2021 (GLOBE NEWSWIRE) - Coastal Financial Corporation (Nasdaq: CCB), the bank holding company for Coastal Community Bank announced that Michael Patterson, CPA, has joined its Board

September 7, 2021 8-K

Regulation FD Disclosure

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): September 3, 2021 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

August 18, 2021 EX-10.1

Form of Subordinated Note Purchase Agreement, dated as of August 18, 2021

Exhibit 10.1 SUBORDINATED NOTE PURCHASE AGREEMENT This SUBORDINATED NOTE PURCHASE AGREEMENT (this ?Agreement?) is dated as of August 18, 2021, and is made by and between Coastal Financial Corporation, a Washington corporation (the ?Company?), and the purchaser of the Subordinated Notes (as defined herein) identified on the signature page hereto (the ?Purchaser?). RECITALS WHEREAS, the Company has

August 18, 2021 EX-99.1

Coastal Financial Corporation Completes Private Placement of $25 Million of Subordinated Notes

Exhibit 99.1 For Immediate Release Contact: Joel Edwards CFO 425.357.6987 [email protected] Coastal Financial Corporation Completes Private Placement of $25 Million of Subordinated Notes EVERETT, Wash., August 17, 2021 ? Coastal Financial Corporation. (NASDAQ: CCB) (?Coastal?) (the ?Company?), the holding company for Coastal Community Bank, today announced the completion of its private plac

August 18, 2021 EX-4.1

Form of 3.375% Fixed-to-Floating Rate Subordinated Note due September 1, 2031

Exhibit 4.1 FORM OF SUBORDINATED NOTE COASTAL FINANCIAL CORPORATION 3.375% FIXED-TO-FLOATING RATE Subordinated Note due September 1, 2031 THE INDEBTEDNESS EVIDENCED BY THIS SUBORDINATED NOTE IS SUBORDINATED AND JUNIOR IN RIGHT OF PAYMENT TO SENIOR INDEBTEDNESS (AS DEFINED IN SECTION 3 OF THIS SUBORDINATED NOTE) OF COASTAL FINANCIAL CORPORATION (THE ?COMPANY?), INCLUDING OBLIGATIONS OF THE COMPANY

August 18, 2021 8-K

Regulation FD Disclosure, Entry into a Material Definitive Agreement

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 18, 2021 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

August 6, 2021 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q

452.9 No UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q (Mark one) ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2021 or ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-38589 COA

July 28, 2021 EX-99.1

Total PPP Loan Origination

Exhibit 99.1 COASTAL FINANCIAL CORPORATION ANNOUNCES SECOND QUARTER 2021 RESULTS Company Release: July 27, 2021 Second Quarter 2021 Highlights: ? Net income totaled $7.0 million for the quarter ended June 30, 2021, or $0.56 per diluted common share, an increase of 16.5% from $6.0 million, or $0.49 per diluted common share, for the quarter ended March 31, 2021. ? Basic earnings per share increased

July 28, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 27, 2021 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

July 27, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 27, 2021 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

July 27, 2021 EX-99.1

LEGAL INFORMATION AND DISCLAIMER This presentation and oral statements made regarding the subject of this presentation contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-lookin

July 27, 2021 INVESTOR PRESENTATION Exhibit 99.1 LEGAL INFORMATION AND DISCLAIMER This presentation and oral statements made regarding the subject of this presentation contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements reflect Coastal Financial Corporation (?Coastal? or ?CFC?)?s current views with respect

May 28, 2021 S-8

As filed with the Securities and Exchange Commission on May 28, 2021

As filed with the Securities and Exchange Commission on May 28, 2021 Registration No.

May 28, 2021 15-15D

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 15

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 15 CERTIFICATION AND NOTICE OF TERMINATION OF REGISTRATION UNDER SECTION 12(g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR SUSPENSION OF DUTY TO FILE REPORTS UNDER SECTIONS 13 AND 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File No. 333-239501 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified

May 28, 2021 S-8 POS

As filed with the Securities and Exchange Commission on May 28, 2021

As filed with the Securities and Exchange Commission on May 28, 2021 Registration No.

May 26, 2021 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 24, 2021 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

May 7, 2021 10-Q

Quarterly Report - 10-Q

452.9 No UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q (Mark one) ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2021 or ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-38589 CO

April 27, 2021 EX-99.1

Round 1 and 2 - Originated in 2020

Exhibit 99.1 COASTAL FINANCIAL CORPORATION ANNOUNCES FIRST QUARTER 2021 RESULTS Company Release: April 27, 2021 First Quarter 2021 Highlights: ? Net income totaled $6.0 million for the quarter ended March 31, 2021, or $0.49 per diluted common share, an increase of 29.1% from $4.7 million, or $0.38 per diluted common share, for the quarter ended December 31, 2020. ? Basic earnings per share increas

April 27, 2021 EX-99.1

LEGAL INFORMATION AND DISCLAIMER This presentation and oral statements made regarding the subject of this presentation contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-lookin

April 27, 2021 INVESTOR PRESENTATION Exhibit 99.1 LEGAL INFORMATION AND DISCLAIMER This presentation and oral statements made regarding the subject of this presentation contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements reflect Coastal Financial Corporation (?Coastal? or ?CFC?)?s current views with respect

April 27, 2021 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 27, 2021 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

April 27, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 27, 2021 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

April 20, 2021 CORRESP

COASTAL FINANCIAL CORPORATION 5415 Evergreen Way Everett, WA 98203 April 20, 2021

COASTAL FINANCIAL CORPORATION 5415 Evergreen Way Everett, WA 98203 April 20, 2021 Via EDGAR U.

April 13, 2021 EX-4.2

Form of Senior Debt Indenture.

Exhibit 4.2 COASTAL FINANCIAL CORPORATION AS ISSUER, AND [], AS TRUSTEE, SENIOR INDENTURE DATED AS OF [, ] SENIOR DEBT SECURITIES CROSS-REFERENCE TABLE Reconciliation and tie between the Trust Indenture Act of 1939, as amended (the ?Trust Indenture Act?), and the Indenture dated as of , 2021. SECTION OF Trust Indenture Act SECTION OF INDENTURE 310(a)(1) and (2) 7.09 310(a)(3) and (4) Not applicabl

April 13, 2021 S-3

Form S-3

As filed with the Securities and Exchange Commission on April 13, 2021 Registration No.

April 13, 2021 EX-4.3

Form of Subordinated Debt Indenture.

Exhibit 4.3 COASTAL FINANCIAL CORPORATION AS ISSUER, AND [], AS TRUSTEE, SUBORDINATED INDENTURE DATED AS OF [, ] SUBORDINATED DEBT SECURITIES CROSS-REFERENCE TABLE Reconciliation and tie between the Trust Indenture Act of 1939, as amended (the ?Trust Indenture Act?), and the Indenture dated as of , 2021. SECTION OF Trust Indenture Act SECTION OF INDENTURE 310(a)(1) and (2) 7.09 310(a)(3) and (4) N

April 9, 2021 DEF 14A

Schedule 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ? Filed by a Party other than the Registrant ? Check the appropriate box: ? Preliminary Proxy Statement ? Confidential, for Use of the Commission Only (as permitted by Rule 14a-6

April 9, 2021 DEFA14A

- DEFA14A

SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.

March 23, 2021 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 22, 2021 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

March 12, 2021 10-K

Annual Report - 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ? ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2020 or ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-38589 COASTAL FINANC

February 16, 2021 SC 13G

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. )* Coastal Financial Corporation (Name of Issuer) Common Stock, no par value (Title of Class of Securities)

SC 13G UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. )* Coastal Financial Corporation (Name of Issuer) Common Stock, no par value (Title of Class of Securities) 19046P209 (CUSIP Number) December 31, 2020 (Date of Event which Requires Filing of this Statement) Check the appropriate box to designate the r

February 11, 2021 SC 13G/A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 3)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 3) Coastal Financial Corporation (Name of Issuer) Common Stock, no par value (Title of Class of Securities) 19046P209 (CUSIP Number) December 31, 2020 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pur

February 10, 2021 SC 13G/A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 2) *

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 2) * Coastal Financial Corporation (CCB) (Name of Issuer) Common Stock (Title of Class of Securities) 19046P209 (CUSIP Number) 12/31/2020 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to whic

February 4, 2021 SC 13G/A

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G (Amendment No. 1) * Under the Securities Exchange Act of 1934

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G (Amendment No. 1) * Under the Securities Exchange Act of 1934 Coastal Financial Corporation (Name of Issuer) Common Stock (Title of Class of Securities) 19046P209 (CUSIP Number) December 31, 2020 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which this Schedu

January 28, 2021 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 27, 2021 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

January 28, 2021 EX-99.1

Legal Information and Disclaimer This presentation and oral statements made regarding the subject of this presentation contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-lookin

January 27, 2021 INVESTOR PRESENTATION Exhibit 99.1 Legal Information and Disclaimer This presentation and oral statements made regarding the subject of this presentation contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements reflect Coastal Financial Corporation (“Coastal”)’s current views with respect to, am

January 27, 2021 EX-99.1

Original Loan Size

Exhibit 99.1 COASTAL FINANCIAL CORPORATION ANNOUNCES FOURTH QUARTER AND YEAR END 2020 RESULTS Company Release: January 27, 2021 2020 Highlights: • Net income totaled $15.1 million for the year ended December 31, 2020, or $1.24 per diluted common share, an increase of 14.0% from $13.2 million, or $1.08 per diluted common share, for the year ended December 31, 2019. • Basic earnings per share increa

January 27, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 27, 2021 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

November 6, 2020 EX-10.2

Amended Non-Employee Director Compensation Policy

EXHIBIT 10.2 AMENDED NON-EMPLOYEE DIRECTOR COMPENSATION POLICY The Board of Directors of Coastal Financial Corporation (the “Company”) determines the compensation of the Company’s non-employee directors in conjunction with recommendations made by the Compensation Committee of the Company (the “Compensation Committee”) in accordance with this Director Compensation Policy (the “Policy”). The Company

November 6, 2020 10-Q

Quarterly Report - 10-Q

452.9 No UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q (Mark one) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2020 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-3858

November 5, 2020 8-K

Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 1, 2020 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

November 5, 2020 EX-99.1

Eric Sprink

EXHIBIT 99.1 For Immediate Release Contact: Eric Sprink President and CEO 425.357.3659 [email protected] Rilla Delorier Joins Coastal Financial Corporation Board of Directors EVERETT, Wash., November 3, 2020 – Coastal Financial Corporation (Nasdaq: CCB), the bank holding company for Coastal Community Bank announced that Rilla Delorier has joined its Board of Directors. Delorier is an experie

November 2, 2020 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition - 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 30, 2020 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

November 2, 2020 EX-99.1

Legal Information and Disclaimer This presentation and oral statements made regarding the subject of this presentation contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-lookin

Investor Presentation Dated October 30, 2020 Exhibit 99.1 Legal Information and Disclaimer This presentation and oral statements made regarding the subject of this presentation contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements reflect Coastal Financial Corporation (“Coastal”)’s current views with respect

October 27, 2020 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition - 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 27, 2020 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

October 27, 2020 EX-99.1

Loan Size

Exhibit 99.1 COASTAL FINANCIAL CORPORATION ANNOUNCES THIRD QUARTER 2020 RESULTS Company Release: October 27, 2020 Quarter Three 2020 Highlights: • Net income totaled $4.1 million for the quarter ended September 30, 2020, or $0.34 per diluted common share, an increase of 16.5% from $3.5 million, or $0.29 per diluted common share, for the quarter ended September 30, 2019. • A $2.2 million provision

August 7, 2020 EX-10.1

First Amendment to the 2006 Stock Option and Equity Compensation Plan

Exhibit 10.1 FIRST AMENDMENT TO THE COASTAL FINANCIAL CORPORATION 2006 STOCK OPTION AND EQUITY COMPENSATION PLAN WHEREAS, the Board of Directors (the “Board”) and shareholders of Coastal Financial Corporation (the “Company”) have adopted the Coastal Financial Corporation 2006 Stock Option and Equity Compensation Plan (the “Plan”); WHEREAS, the Board desires to amend the Plan to clarify the methods

August 7, 2020 10-Q

Quarterly Report - 10-Q

No UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q (Mark one) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2020 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-38589 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 56-2392007 (State or other jurisdiction of incorporation or organization) (I.

July 28, 2020 EX-99.1

Loan Size

Exhibit 99.1 COASTAL FINANCIAL CORPORATION ANNOUNCES SECOND QUARTER 2020 RESULTS Company Release: July 27, 2020 Quarter Two 2020 Highlights: • Net income totaled $3.7 million for the quarter ended June 30, 2020, or $0.30 per diluted common share, an increase of 12.2% from $3.3 million, or $0.27 per diluted common share, for the quarter ended June 30, 2019. • A $1.9 million provision for loan losse

July 28, 2020 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 27, 2020 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

July 28, 2020 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 27, 2020 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

July 28, 2020 EX-99.1

Legal Information and Disclaimer This presentation and oral statements made regarding the subject of this presentation contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-lookin

Investor Presentation Dated July 27, 2020 New Arlington branch Opened in June 2020 Exhibit 99.

June 26, 2020 11-K

- 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K FOR ANNUAL REPORTS OF EMPLOYEE STOCK PURCHASE, SAVINGS AND SIMILAR PLANS PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2019 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 1

June 26, 2020 EX-99.1

Coastal Community Bank 401(k) Plan, as amended.

Exhibit 99.1 COASTAL COMMUNITY BANK 401(K) PLAN 1 TABLE OF CONTENTS ARTICLE I DEFINITIONS ARTICLE II ADMINISTRATION 2.1POWERS AND RESPONSIBILITIES OF THE EMPLOYER21 2.2DESIGNATION OF ADMINISTRATIVE AUTHORITY22 2.3ALLOCATION AND DELEGATION OF RESPONSIBILITIES22 2.4POWERS AND DUTIES OF THE ADMINISTRATOR22 2.5RECORDS AND REPORTS24 2.6APPOINTMENT OF ADVISERS24 2.7PAYMENT OF EXPENSES24 2.8 CLAIMS PROCE

June 26, 2020 S-8

- S-8

As filed with the Securities and Exchange Commission on June 26, 2020 Registration No.

May 20, 2020 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 18, 2020 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

May 8, 2020 EX-99.1

COASTAL FINANCIAL CORPORATION ANNOUNCES 2020

Exhibit 99.1 COASTAL FINANCIAL CORPORATION ANNOUNCES 2020 Annual Meeting of Shareholders Will be Held Solely by Means of Remote Communication Company Release: May 8, 2020 Everett, WA – Coastal Financial Corporation (Nasdaq: CCB) (the “Company”), the holding company for Coastal Community Bank, today announced that due to the public health impact of the COVID-19 (novel coronavirus) outbreak and rece

May 8, 2020 8-K

Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 8, 2020 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

May 8, 2020 EX-10.1

Form of Change in Control Severance Agreement

Exhibit 10.1 COASTAL FINANCIAL CORPORATION COASTAL COMMUNITY BANK CHANGE IN CONTROL SEVERANCE AGREEMENT THIS CHANGE IN CONTROL SEVERANCE AGREEMENT (“Agreement”) is entered into by and between COASTAL FINANCIAL CORPORATION, a Washington corporation (“Company”), its wholly-owned subsidiary, COASTAL COMMUNITY BANK, a Washington state-chartered bank (“Bank”), and (“Executive”), as of . The Company, th

May 8, 2020 DEFA14A

- DEFA14A

SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.

May 8, 2020 10-Q

Quarterly Report - 10-Q

No UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q (Mark one) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2020 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-38589 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 56-2392007 (State or other jurisdiction of incorporation or organization) (I.

May 1, 2020 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 30, 2020 COASTAL FINANCIAL CORPORATION (Exact name of Registrant as Specified in Its Charter) Washington 001-38589 56-2392007 (State or Other Jurisdiction of Incorporation) (Com

May 1, 2020 EX-99.1

Legal Information and Disclaimer This presentation and oral statements made regarding the subject of this presentation contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-lookin

Investor Presentation Dated April 30, 2020 Exhibit 99.1 Legal Information and Disclaimer This presentation and oral statements made regarding the subject of this presentation contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements reflect Coastal’s current views with respect to, among other things, future event

April 28, 2020 EX-99.1

Three months ended

Exhibit 99.1 COASTAL FINANCIAL CORPORATION ANNOUNCES FIRST QUARTER 2020 RESULTS Company Release: April 27, 2020 Quarter One 2020 Highlights: • Net income totaled $2.7 million for the quarter ended March 31, 2020, or $0.22 per diluted common share, a decrease of 3.0% from $2.8 million or $0.23 per diluted common share for the quarter ended March 31, 2019. • Total assets were $1.18 billion and grew

April 28, 2020 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 27, 2020 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

April 3, 2020 DEFA14A

CCB / COASTAL FINANCIAL CORP DEFA14A - - DEFA14A

SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.

April 3, 2020 DEF 14A

CCB / COASTAL FINANCIAL CORP DEF 14A - - DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6

March 12, 2020 10-K

CCB / COASTAL FINANCIAL CORP 10-K - Annual Report - 10-K 2019

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2019 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-38589 COASTAL FINANC

March 12, 2020 EX-4.2

Description of Securities

Exhibit 4.2 Description of Registrant’s Securities Registered Pursuant to Section 12 of the Securities Exchange Act of 1934 As of December 31, 2019, Coastal Financial Corporation (the “Company,” “we,” “our” and “us”), had one class of securities registered under Section 12 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”): common stock, no par value per share (“Common Stock”)

March 12, 2020 EX-21.1

Subsidiaries of Coastal Financial Corporation As of December 31, 2019

Exhibit 21.1 Subsidiaries of Coastal Financial Corporation As of December 31, 2019 Name of Entity Jurisdiction of Organization Coastal Community Bank Washington Coastal (WA) Statutory Trust I Delaware Arlington Olympic LLC Washington

February 18, 2020 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 18, 2020 COASTAL FINANCIAL CORPORATION (Exact name of Registrant as Specified in Its Charter) Washington 001-38589 56-2392007 (State or Other Jurisdiction of Incorporation) (

February 18, 2020 EX-99.1

Legal Information and Disclaimer This presentation and oral statements made regarding the subject of this presentation contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-lookin

Investor Presentation Dated February 18, 2020 Exhibit 99.1 Legal Information and Disclaimer This presentation and oral statements made regarding the subject of this presentation contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements reflect Coastal’s current views with respect to, among other things, future ev

February 14, 2020 SC 13G/A

CCB / COASTAL FINANCIAL CORP / EJF Capital LLC Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 2) Coastal Financial Corporation (Name of Issuer) Common Stock, no par value (Title of Class of Securities) 19046P209 (CUSIP Number) December 31, 2019 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pur

February 13, 2020 SC 13G/A

CCB / COASTAL FINANCIAL CORP / FJ Capital Management LLC Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 1) * Coastal Financial Corporation (CCB) (Name of Issuer) Common Stock (Title of Class of Securities) 19046P209 (CUSIP Number) 12/31/2019 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to whic

February 12, 2020 SC 13G

CCB / COASTAL FINANCIAL CORP / MANULIFE FINANCIAL CORP - SCHEDULE FILED TO REPORT ACQUISITION OF BENEFICIAL OWNERSHIP Passive Investment

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 Coastal Financial Corporation (Name of Issuer) Common Stock (Title of Class of Securities) 19046P209 (CUSIP Number) December 31, 2019 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which this Schedule is filed: X Rule

January 28, 2020 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 27, 2020 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

January 28, 2020 EX-99.1

Three months ended

Exhibit 99.1 COASTAL FINANCIAL CORPORATION ANNOUNCES FOURTH QUARTER AND YEAR END 2019 RESULTS Company Release: January 27, 2020 2019 Highlights: • Net income totaled $13.2 million for the year ended December 31, 2019, or $1.08 per diluted common share, up 36.1% from $9.7 million or $0.91 per diluted common share for year ended December 31, 2018. • Total assets were $1.13 billion at December 31, 20

January 24, 2020 EX-99.1

Joel Edwards

Exhibit 99.1 For Immediate Release Contact: Joel Edwards Chief Financial Officer 425.357.3687 [email protected] Coastal Community Bank Announces Addition of Chief Risk Officer EVERETT, Wash. January 22, 2020 – Coastal Community Bank announces the addition of Andrew Stines as Chief Risk Officer. Stines has a degree in Business Management from the University of Colorado, a Masters in Finance

January 24, 2020 8-K

Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 22, 2020 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

November 12, 2019 10-Q

CCB / COASTAL FINANCIAL CORP 10-Q - Quarterly Report - 10-Q

No UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q (Mark one) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2019 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-38589 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 56-2392007 (State or other jurisdiction of incorporation or organization) (I.

November 2, 2019 8-K

Regulation FD Disclosure

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 1, 2019 COASTAL FINANCIAL CORPORATION (Exact name of Registrant as Specified in Its Charter) Washington 001-38589 56-2392007 (State or Other Jurisdiction of Incorporation) (C

October 29, 2019 EX-99.1

Three months ended

Exhibit 99.1 COASTAL FINANCIAL CORPORATION ANNOUNCES THIRD QUARTER 2019 RESULTS Company release: October 28, 2019 Quarter Three 2019 Highlights: • Net income totaled $3.5 million for the quarter ended September 30, 2019, or $0.29 per diluted common share, up from $2.6 million, or $0.22 per diluted common share, for the quarter ended September 30, 2018. • Total assets were $1.1 billion at September

October 29, 2019 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 28, 2019 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

August 12, 2019 10-Q

CCB / COASTAL FINANCIAL CORP 10-Q - Quarterly Report - 10-Q

No UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q (Mark one) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2019 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-38589 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 56-2392007 (State or other jurisdiction of incorporation or organization) (I.

July 30, 2019 8-K

Regulation FD Disclosure

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 30, 2019 COASTAL FINANCIAL CORPORATION (Exact name of Registrant as Specified in Its Charter) Washington 001-38589 56-2392007 (State or Other Jurisdiction of Incorporation) (Comm

July 29, 2019 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 26, 2019 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

July 29, 2019 EX-99.1

Three months ended

Exhibit 99.1 COASTAL FINANCIAL CORPORATION ANNOUNCES SECOND QUARTER 2019 RESULTS Company release: July 26, 2019 Quarter Two 2019 Highlights: • Net income totaled $3.3 million for the quarter ended June 30, 2019, or $0.27 per diluted common share, up from $2.2 million, or $0.24 per diluted common share, for the quarter ended June 30, 2018. • Total assets were $1.0 billion at June 30, 2019, up 8.3%

June 7, 2019 SC 13G

CCB / COASTAL FINANCIAL CORP / HOVDE STEVEN D - SC 13G Passive Investment

SC 13G UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 SCHEDULE 13G (Rule 13d-102) INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO §240.

June 5, 2019 SC 13G

CCB / COASTAL FINANCIAL CORP / Dale Andrew R - SC 13G Passive Investment

SC 13G UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 SCHEDULE 13G (Rule 13d-102) INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO §240.

June 5, 2019 EX-99

AGREEMENT RELATING TO FILING OF JOINT STATEMENT PURSUANT TO RULE 13d-1(k) UNDER THE SECURITIES EXCHANGE ACT OF 1934

EX-99 2 d761191dex99.htm EX-99 Exhibit 99 AGREEMENT RELATING TO FILING OF JOINT STATEMENT PURSUANT TO RULE 13d-1(k) UNDER THE SECURITIES EXCHANGE ACT OF 1934 The Undersigned, Andrew R. Dale, Montlake Capital LLC, Montlake Capital Advisor II LLC, Montlake Capital II, L.P. and Montlake Capital II-B, L.P. hereby agree and acknowledge that the information required by this Statement of Schedule 13G, to

May 23, 2019 8-K

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 20, 2019 COASTAL FINANCIAL CORPORATION (Exact name of Registrant as Specified in Its Charter) Washington 001-38589 56-2392007 (State or Other Jurisdiction of Incorporation) (Commi

May 13, 2019 10-Q

CCB / COASTAL FINANCIAL CORP 10-Q Quarterly Report 10-Q

No UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q (Mark one) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2019 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-38589 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 56-2392007 (State or other jurisdiction of incorporation or organization) (I.

May 7, 2019 8-K

Regulation FD Disclosure

8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 6, 2019 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

April 29, 2019 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 26, 2019 COASTAL FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 001-38589 56-2392007 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.

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