Coastal Financial is a bank holding company. Co.'s segments are: The community bank and CCBX. The primary focus of the community bank is on providing a range of banking products and services to consumers and small to medium sized businesses. The CCBX segment provides banking as a service that allows Co.'s broker-dealer and digital financial service partners to provide their customers banking services. Co. focuses primarily on commercial lending, with an emphasis on commercial real estate in the community bank. Co. provides a variety of loans to business owners, including commercial and industrial loans and commercial real estate loans secured by owner-occupied commercial properties.