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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Weymouth, MA · FDIC certificate #26591
COASTAL HERITAGE BANK is an FDIC-insured institution based in Weymouth, MA (FDIC certificate #26591). In its Q3 2026 Call Report it reported total assets of $962M, total deposits of $782M and net loans of $742M. Its primary federal regulator is FED.
Plain-language readout
COASTAL HERITAGE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $985M in Q1 2026 and were lowest at $962M in Q3 2026.
Total deposits were highest at $791M in Q2 2026 and lowest at $782M in Q1 2026.
Over the whole period total assets fell 2.3%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $962M | $782M | $742M | 0.43% | 3.90% | 2.91% |
| Q2 2026 | $984M | $791M | $748M | 0.37% | 3.41% | 2.84% |
| Q1 2026 | $985M | $782M | $760M | 0.31% | 2.81% | 2.80% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $86.7M | $73.4M | +$13.3M | +18.2% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $103.1M | $106.1M | -$3.0M | -2.8% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $747.8M | $760.4M | -$12.6M | -1.7% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $7.1M | $7.1M | -$25K | -0.3% |
| Other real estate owned | $4.6M | $4.0M | +$628K | +15.7% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $1.8M | $2.0M | -$130K | -6.6% |
| All other assets | $32.4M | $32.4M | -$22K | -0.1% |
| Total assets | $983.6M | $985.4M | -$1.8M | -0.2% |
| Liabilities | ||||
| Total deposits | $790.9M | $782.0M | +$8.9M | +1.1% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $78.2M | $89.6M | -$11.5M | -12.8% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $6.6M | $7.0M | -$432K | -6.1% |
| Total liabilities | $875.7M | $878.6M | -$3.0M | -0.3% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $635K | $635K | $0K | 0.0% |
| Surplus | $3.0M | $3.0M | $0K | 0.0% |
| Retained earnings | $108.8M | $107.8M | +$1.1M | +1.0% |
| Accumulated other comprehensive income | -$4.5M | -$4.6M | +$132K | +2.9% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $108.0M | $106.8M | +$1.2M | +1.1% |
| Credit and capital | ||||
| Gross nonperforming assets | $9.1M | $8.5M | +$628K | +7.4% |
| Adjusted nonperforming assets | $9.1M | $8.5M | +$628K | +7.4% |
| Tangible equity plus allowance | $114.1M | $112.8M | +$1.3M | +1.2% |
| Texas ratio (gross) | 8.00% | 7.54% | +0.46 pts | See points |
| Texas ratio (adjusted) | 8.00% | 7.54% | +0.46 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 12.52% | 12.13% | +0.39 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 11.54% | 11.39% | +0.15 pts | See points |
| Construction and land loans to total capital | 37.37% | 44.17% | -6.80 pts | See points |
| Commercial real estate to total capital | 163.88% | 167.15% | -3.26 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -5.40% | -5.50% | +0.10 pts | See points |
| Liquidity | ||||
| Core deposits | $694.3M | $688.3M | +$6.0M | +0.9% |
| Non-core funding | $174.7M | $183.3M | -$8.6M | -4.7% |
| Loans to core deposits | 108.85% | 111.64% | -2.79 pts | See points |
| Loans to deposits | 95.56% | 98.26% | -2.70 pts | See points |
| Brokered deposits share of deposits | 2.53% | 2.56% | -0.03 pts | See points |
| Pledged securities share of securities | 59.19% | 60.45% | -1.26 pts | See points |
| Loans pledged, share of loans | 66.38% | 66.61% | -0.22 pts | See points |
| Volatile liabilities | $174.7M | $183.3M | -$8.6M | -4.7% |
| Earnings | ||||
| Earnings before provision, year to date | $2.4M | $974K | +$1.5M | +149.1% |
| Earnings before provision, single quarter | $1.5M | $974K | +$478K | +49.1% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 5.16% | 5.07% | +0.09 pts | See points |
| Yield on interest-bearing balances due from banks | 3.93% | 3.06% | +0.87 pts | See points |
| Total interest income to average assets | 4.53% | 4.44% | +0.09 pts | See points |
| Cost of interest-bearing transaction accounts | 0.27% | 0.28% | -0.01 pts | See points |
| Cost of savings and money market deposits | 1.69% | 1.67% | +0.02 pts | See points |
| Cost of time deposits | 3.51% | 3.57% | -0.05 pts | See points |
| Total interest expense to average assets | 1.77% | 1.79% | -0.02 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $962M | $782M | $742M | 0.43% | 3.90% | 2.91% |
| 2026-06-30 | $984M | $791M | $748M | 0.37% | 3.41% | 2.84% |
| 2026-03-31 | $985M | $782M | $760M | 0.31% | 2.81% | 2.80% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| MA | $779.6M | 0.13% | 60 | Continuing · -0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.