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
Unfavorable gap of $21.3M · efficiency ratio beats 62% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.37% | 0.23% | 0.39% | 0.50% | Beats 38% | 18 / 29 | | |
| Return on Equity | 3.37% | 2.29% | 3.46% | 5.78% | Beats 41% | 17 / 29 | | |
| Net Interest Margin | 2.71% | 2.42% | 2.71% | 3.01% | Beats 48% | 15 / 29 | | |
| Efficiency Ratio | 83.13% | 78.96% | 84.14% | 93.09% | Beats 62% | 12 / 29 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.60% | 0.03% | 0.13% | 0.43% | Beats 14% | 26 / 29 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.00% | Beats 17% | 25 / 29 | | |
| Capital |
| Tier 1 Capital Ratio | 11.54% | 11.54% | 13.48% | 16.99% | Beats 24% | 22 / 29 | | |
| Total Risk-Based Capital Ratio | 11.54% | 11.54% | 14.44% | 17.87% | Beats 24% | 22 / 29 | | |
| Equity / Assets | 10.98% | 8.70% | 9.70% | 11.05% | Beats 66% | 10 / 29 | | |
| Liquidity & Funding |
| Loans / Deposits | 95.56% | 84.22% | 92.17% | 95.56% | 75th pctl | 7 / 28 | | |
| Loans / Assets | 76.84% | 69.12% | 73.70% | 81.02% | 59th pctl | 12 / 29 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |