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Coastal Heritage Bank

Weymouth, MA · Cert 26591 · Equitable Bcorp MHC

State charter, Fed member · FED · 10 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=28 to 29). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

38

Q2 2024Q2 2026peer median (50)

Asset Quality

16

Q2 2024Q2 2026peer median (50)

Profitability

42

Q2 2024Q2 2026peer median (50)

Liquidity

79

Q2 2024Q2 2026peer median

Efficiency

62

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Coastal Heritage Bank

Weymouth, MA · Cert 26591 · Equitable Bcorp MHC

State charter, Fed member · FED · 10 branches

Q2 2026

$983.6MAssets
$755.8MLoans
$790.9MDeposits
$108.0MEquity
Loan mix
95%RE $726.3M4%C&I $33.2M1%Consumer $8.8MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $629.9M20%Noninterest $161.0MQ2 2025Q2 2026

NIM

4.46%Q2 ’244.39%Q2 ’254.49%Q2 ’26+4%+11%

Non-interest income vs. expense

2.41%Q2 ’242.33%Q2 ’252.48%Q2 ’26-4%+6%

Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 0.1% share · #42 of 100 inst. · $0.8B of $580.3B

0.8% Norfolk
2.0% Plymouth

Executive Summary

  • Earnings: ROA of 0.37%, up 9 bps year over year; NIM at 2.71%.
  • Asset quality: problem loans at 0.60% of loans (-23 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.54%, up 38 bps from a year ago.
  • Funding: loans stand at 95.56% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.37%+9 bps YoY

Net Interest Margin (YTD, annualized)

2.71%+26 bps YoY

Efficiency Ratio (YTD, annualized)

80.84%-235 bps YoY

Tier 1 Leverage Ratio

11.54%+38 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.28%0.31%0.32%0.31%0.37%+9 bps
Return on Equity2.68%2.91%3.03%2.81%3.41%+73 bps
Net Interest Margin2.45%2.54%2.59%2.65%2.71%+26 bps
Efficiency Ratio83.19%81.57%81.32%83.79%80.84%-235 bps
Non-Interest Burden2.08%2.11%2.15%2.24%2.20%+13 bps
Growth
Asset Growth (YoY)-2.63%-3.89%-1.65%1.46%2.51%+514 bps
Loan Growth (YoY)-2.74%-2.39%-0.33%-0.83%-3.33%-59 bps
Deposit Growth (YoY)1.30%-3.32%-1.78%-1.02%1.46%+16 bps
Asset Quality
Nonperforming Loans / Loans0.82%0.96%1.11%0.59%0.60%-23 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.01%1.03%1.03%1.04%1.06%+5 bps
Allowance Coverage of NPLs1.2x1.1x0.9x1.8x1.8x+0.5x
Capital
Tier 1 Leverage Ratio11.16%11.34%11.49%11.39%11.54%+38 bps
Total Risk-Based Capital11.16%11.34%11.49%11.39%11.54%+38 bps
Equity / Assets10.71%10.98%11.17%10.83%10.98%+26 bps
Liquidity & Funding
Loans / Deposits100.29%101.08%102.46%98.26%95.56%-473 bps
Liquid Assets / Assets1.93%2.13%2.43%6.79%7.83%+589 bps
CRE / Total Capitaln/a248%253%248%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Coastal Heritage Bank

Weymouth, MA · Cert 26591 · Peer group: banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=28-29) · Equitable Bcorp MHC

State charter, Fed member · FED · 10 branches

Q2 2026

$983.6MAssets
$755.8MLoans
$790.9MDeposits
$108.0MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 66% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 10 of 29).
  • Widest gap: nonperforming loans / loans trails 86% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 26 of 29).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.37%

Rank 18 of 29

Net Interest Margin

2.71%

Rank 15 of 29

Efficiency Ratio

83.13%

Rank 12 of 29

Equity / Assets

10.98%

Rank 10 of 29

Non-interest income vs. expense

$2.6M$23.9MINCOMEEXPENSE
Unfavorable gap of $21.3M · efficiency ratio beats 62% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area
Bank 83.13%Peer median 84.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.37%0.23%0.39%0.50%Beats 38%18 / 29
Return on Equity3.37%2.29%3.46%5.78%Beats 41%17 / 29
Net Interest Margin2.71%2.42%2.71%3.01%Beats 48%15 / 29
Efficiency Ratio83.13%78.96%84.14%93.09%Beats 62%12 / 29
Asset Quality
Nonperforming Loans / Loans0.60%0.03%0.13%0.43%Beats 14%26 / 29
Net Charge-Offs / Loans0.00%n/a0.00%0.00%Beats 17%25 / 29
Capital
Tier 1 Capital Ratio11.54%11.54%13.48%16.99%Beats 24%22 / 29
Total Risk-Based Capital Ratio11.54%11.54%14.44%17.87%Beats 24%22 / 29
Equity / Assets10.98%8.70%9.70%11.05%Beats 66%10 / 29
Liquidity & Funding
Loans / Deposits95.56%84.22%92.17%95.56%75th pctl7 / 28
Loans / Assets76.84%69.12%73.70%81.02%59th pctl12 / 29
Brokered Deposits / Depositsn/aNot reported for this institution