Key takeaway: Coastal Financial isn't letting a $68.8 million credit expense created by problems at one of its fintech partners shake its commitment to its 9-year-old banking-as-a-service strategy. Coastal Financial isn't letting a $68.8 million credit expense created by problems at one of its fintech partners shake its commitment to its 9-year-old banking-as-a-service strategy. Coastal Financial is dealing with a different kind of problem in connection with its banking-as-a-service strategy: concentration risk. Processing ContentOn Thursday, the holding company for Everett, Washington-based Coastal Community Bank reported a $68.8 million credit expense tied to one of its 25 partner relationships. Coastal Financial CEO Eric Sprink.