BlastPoint's Banking Scorecard

Coastal Heritage Bank

$100M-$1B Specialty: Commercial MA FDIC cert 26591

Weymouth, MA

10 branches across MA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 39 in MA.
Deposits +1.5% year over year ($790.9M on the books).
Delinquency rate 0.60%.
Return on assets 0.37%.
Efficiency ratio 80.84% vs a 64.48% peer average.
Loan-to-deposit ratio 94.55% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 39 in MA

View $100M-$1B leaderboard (MA) →

Coastal Heritage Bank has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.32% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 5.1% in tier
- Efficiency Drag: Bottom 28.2% in tier
- Return on Assets 0.95% below tier average
- Net Interest Margin 1.15% below tier average

Get updates when Coastal Heritage Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Total Assets ?	$983.6M +2.5% YoY -0.2% QoQ	+$597.1M	$386.6M +1.2% YoY	$7.0B +13.2% YoY	$6.3B +7.7% YoY	Top 0.5% in tier
Total Loans ?	$747.8M -3.4% YoY -1.7% QoQ	+$489.5M	$258.3M +1.7% YoY	$2.5B +16.1% YoY	$3.2B +9.4% YoY	Top 1.0% in tier
Total Deposits ?	$790.9M +1.5% YoY +1.1% QoQ	+$464.2M	$326.7M +0.7% YoY	$5.6B +14.9% YoY	$4.9B +7.3% YoY	Top 2.6% in tier
Return on Assets ?	0.37% +33.4% YoY +21.4% QoQ	-0.95%	1.32% +10.8% YoY	0.66% +38.5% YoY	1.30% +12.1% YoY	Bottom 9.2% in tier
Net Interest Margin ?	2.84% +9.8% YoY +1.5% QoQ	-1.15%	3.99% +5.0% YoY	3.05% +8.7% YoY	3.95% +4.9% YoY	Bottom 6.5% in tier
Efficiency Ratio ?	80.84% -2.8% YoY -3.5% QoQ	+16.36%	64.48% -3.2% YoY	79.07% -1.9% YoY	70.05% +2.5% YoY	Bottom 12.8% in tier
Delinquency Rate ?	0.60% -27.5% YoY +1.7% QoQ	-0.32%	0.92% +15.7% YoY	0.74% +5.8% YoY	0.98% +16.3% YoY	42%
Loan-to-Deposit Ratio ?	94.55% -4.8% YoY -2.8% QoQ	+16.60%	77.95% +1.0% YoY	91.41% -1.2% YoY	79.03% +2.3% YoY	17%
Non-Interest-Bearing Deposit Share ?	20.35% -0.6% YoY +0.3% QoQ	-1.68%	22.03% -0.6% YoY	16.01% -3.7% YoY	21.98% -0.6% YoY	47%
Nonperforming Asset Ratio ?	1.17% +27.0% YoY +5.9% QoQ	+0.50%	0.67% +16.4% YoY	0.59% +7.5% YoY	0.69% +15.8% YoY	17%
Tier 1 Capital Ratio ?	11.54% +3.4% YoY +1.3% QoQ	-4.37%	15.91% +1.4% YoY	15.08% +1.7% YoY	17.09% +0.8% YoY	29%
Non-Interest Income / Assets ?	0.13% +5.6% YoY +115.2% QoQ	-0.43%	0.57% +7.6% YoY	0.57% +4.1% YoY	0.66% +5.2% YoY	29%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Noninterest-Bearing	20.4% -0.1pp YoY +0.1pp QoQ	-1.8pp	22.1%	16.2%	22.2%	47%
Brokered Deposits	2.5% 0.0pp YoY 0.0pp QoQ	-5.3pp	7.9%	6.1%	8.5%	34%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
C&I	4.5% +0.3pp YoY +0.1pp QoQ	-7.0pp	11.6%	6.5%	12.5%	17%
CRE	36.2% +2.2pp YoY +0.3pp QoQ	-3.3pp	39.5%	40.3%	41.4%	45%
1-4 Family	59.2% -2.2pp YoY -0.4pp QoQ	+26.6pp	32.6%	52.4%	31.3%	89%
Consumer	1.1% -0.2pp YoY 0.0pp QoQ	-3.0pp	4.1%	1.6%	5.0%	31%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	16.6%	19.7%	n/a
Leverage Ratio	11.5% +0.4pp YoY +0.1pp QoQ	-0.6pp	12.2%	11.5%	12.6%	58%
Total Capital Ratio	n/a	n/a	19.9%	17.5%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Full-Time Employees	116 +4 (+3.6%) YoY +6 (+5.5%) QoQ	+57	58	755	482	91%
Assets per Employee ($)	$8.5M -1.0% YoY -5.3% QoQ	+$961K	$7.5M	$10.7M	$8.8M	74%
Branch Count	10 -2 (-16.7%) YoY 0 QoQ	+5	4	13	18	90%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.1%	0.4%	n/a
Nonaccrual	0.9% -0.2pp YoY 0.0pp QoQ	0.0pp	0.9%	0.8%	1.0%	69%
Allowance Coverage	1.77x +44.7% YoY -0.2% QoQ	-22.38x	24.15x	7.95x	20.23x	44%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	35%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
ROE	3.4% +0.7pp YoY +0.6pp QoQ	-8.8pp	12.2%	5.6%	11.6%	9%
Cost of Funds (YTD)	1.9% -0.2pp YoY 0.0pp QoQ	+0.2pp	1.7%	2.0%	1.7%	63%
Net Income ($, YTD)	$1.8M +34.4% YoY — QoQ	-$734K	$2.6M	$31.7M	$40.4M	49%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Strain

risk

#36 of 691 • Bottom 5.1% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 94.55%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank improving

Efficiency Drag

risk

#103 of 361 • Bottom 28.2% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 80.84%

(Tier: 64.48%, National: 70.05%)

worse than tier avg

361 of 361 Community banks match · 426 nationally

↓ Shrinking -64 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

Total Assets

size

Value: $983.64M

Peer Median: $386.57M

#15 of 2643 Top 0.5% in $100M-$1B

Total Loans

size

Value: $747.81M

Peer Median: $258.35M

#27 of 2643 Top 1.0% in $100M-$1B

Total Deposits

size

Value: $790.90M

Peer Median: $326.73M

#70 of 2643 Top 2.6% in $100M-$1B

Top Weaknesses (5 metrics)

2471

Net Interest Margin

profitability

Value: 2.84%

Peer Median: 3.99%

#2471 of 2643 Bottom 6.5% in $100M-$1B

2401

Return on Assets

profitability

Value: 0.37%

Peer Median: 1.32%

#2401 of 2643 Bottom 9.2% in $100M-$1B

2306

Efficiency Ratio

profitability

Value: 80.84%

Peer Median: 64.48%

#2306 of 2643 Bottom 12.8% in $100M-$1B

2196

Nonperforming Asset Ratio

credit_quality

Value: 1.17%

Peer Median: 0.67%

#2196 of 2643 Bottom 17.0% in $100M-$1B

2195

Loan-to-Deposit Ratio

liquidity

Value: 94.55%

Peer Median: 77.95%

#2195 of 2643 Bottom 17.0% in $100M-$1B