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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 23, 2026

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.)

5415 Evergreen Way, Everett, Washington 98203

(Address of principal executive offices, including zip code)

Registrant’s telephone number, including area code:  (425) 257-9000

Not Applicable

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐			Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐			Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐			Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐			Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class			Trading Symbol(s)			Name of each exchange on which registered
Common stock, no par value per share			CCB			The Nasdaq Stock Market LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company    ⃞

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.   ⃞

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Item 8.01    Other Events

On July 23, 2026, Coastal Financial Corporation, and its subsidiary, Coastal Community Bank, issued a press release announcing that it will report second quarter 2026 financial statements pre-market on Thursday, July 30, 2026, and host an earnings call in connection with its second quarter 2026 financial results on Thursday, July 30, 2026, at 8:00 a.m. ET (5:00 a.m. PT). A copy of the press release is attached as Exhibit 99.1 to this Current Report on Form 8-K.

Item 9.01    Financial Statements and Exhibits

Exhibits

Number						Description
99.1						Press Release by Coastal Financial Corporation, dated July 23, 2026
104						Cover Page Interactive Data File (Embedded within the Inline XBRL document)

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SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

			COASTAL FINANCIAL CORPORATION
Date: July 23, 2026			By:			/s/ Brandon J. Soto
						Brandon J. Soto
						Executive Vice President and Chief Financial Officer

Exhibit 99.1

COASTAL FINANCIAL CORPORATION TO REPORT SECOND QUARTER 2026 RESULTS AND HOST A CONFERENCE CALL ON JULY 30, 2026

EVERETT, Wash., (GLOBE NEWSWIRE) -- 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 and an industry leading banking as a service segment ("CCBX"), will report second quarter 2026 financial results pre-market on Thursday, July 30, 2026.

In conjunction with the release of its earnings, the Company’s management team will host a conference call at 8:00 a.m. ET (5:00 a.m. PT) to review and discuss the results.

A live webcast of the conference call will be available here, and on the investor relations section of the Company's website at ir.coastalbank.com. An archived replay will also be available on the investor relations section of the Company’s website following the conclusion of the call.

About Coastal Financial

Coastal Financial Corporation (Nasdaq: CCB) (the “Company”), is an Everett, Washington based bank holding company whose wholly owned subsidiaries are Coastal Community Bank (“Bank”) and Arlington Olympic LLC.  The $5.66 billion Bank provides service through 14 full-service branches in Snohomish, Island and King Counties, one loan production office in King County, the Internet and its mobile banking application.  The Bank provides banking as a service to digital financial service providers, companies and brands that want to provide financial services to their customers through the Bank's CCBX segment.  To learn more about the Company visit www.coastalbank.com.

Contact

Eric Sprink, Chief Executive Officer, [email protected]    

Brandon Soto, Executive Vice President & Chief Financial Officer, [email protected]