BlastPoint's Banking Scorecard

Coastal Heritage Bank

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

Weymouth, MA

10 branches across MA

2664 banks in the $100M-$1B peer group nationally 39 in MA

Coastal Heritage Bank has 1 strength but faces 5 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 0.29% below tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 11.9% in tier
- Liquidity Strain: Bottom 17.3% in tier
- Efficiency Drag: Bottom 49.8% in tier
- Return on Assets 0.96% below tier average
- Net Interest Margin 1.13% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Total Assets ?	$985.4M +1.5% YoY +3.9% QoQ	+$599.3M	$386.1M +0.5% YoY	$6.8B +9.3% YoY	$6.2B +9.1% YoY	Top 0.5% in tier
Total Loans ?	$760.4M -0.9% YoY -1.3% QoQ	+$504.7M	$255.7M +1.1% YoY	$2.4B +16.6% YoY	$3.2B +10.8% YoY	Top 0.9% in tier
Total Deposits ?	$782.0M -1.0% YoY +2.9% QoQ	+$454.0M	$328.0M +0.1% YoY	$5.3B +11.5% YoY	$4.8B +8.2% YoY	Top 3.4% in tier
Return on Assets ?	0.31% +198.7% YoY -4.9% QoQ	-0.96%	1.27% +12.9% YoY	0.49% +59.0% YoY	1.23% +13.4% YoY	Bottom 8.2% in tier
Net Interest Margin ?	2.80% +11.7% YoY +2.6% QoQ	-1.13%	3.93% +6.0% YoY	3.03% +10.0% YoY	3.89% +5.7% YoY	Bottom 6.7% in tier
Efficiency Ratio ?	83.79% -9.1% YoY +3.0% QoQ	+18.50%	65.29% -4.5% YoY	80.02% -2.5% YoY	66.95% -4.1% YoY	Bottom 11.2% in tier
Delinquency Rate ?	0.59% -34.2% YoY -47.2% QoQ	-0.29%	0.89% +18.8% YoY	0.73% +28.2% YoY	0.95% +18.8% YoY	41%
Loan-to-Deposit Ratio ?	97.24% +0.2% YoY -4.1% QoQ	+20.60%	76.64% +0.8% YoY	92.37% -0.3% YoY	76.70% +0.9% YoY	Bottom 12.1% in tier
Non-Interest-Bearing Deposit Share ?	20.29% +0.9% YoY -4.6% QoQ	-1.72%	22.02% -1.0% YoY	15.85% -3.7% YoY	22.01% -1.2% YoY	47%
Nonperforming Asset Ratio ?	1.10% +15.0% YoY -5.1% QoQ	+0.47%	0.64% +19.7% YoY	0.58% +29.6% YoY	0.67% +19.3% YoY	17%
Tier 1 Capital Ratio ?	11.39% +3.9% YoY -0.9% QoQ	-4.44%	15.83% +1.5% YoY	14.58% +1.9% YoY	17.06% +0.8% YoY	28%
Non-Interest Income / Assets ?	0.06% -3.6% YoY -75.3% QoQ	-0.22%	0.28% +9.3% YoY	0.11% +1.3% YoY	0.32% +4.1% YoY	28%

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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 (3)

Flatlined Growth

risk

#62 of 512 • Bottom 11.9% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.31%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ | QoQ rank declining

Liquidity Strain

risk

#112 of 643 • Bottom 17.3% 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: 97.24%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Efficiency Drag

risk

#207 of 414 • Bottom 49.8% in tier

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

Why this signature

Efficiency Ratio: 83.79%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable | QoQ rank declining

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 2664 peers in $100M-$1B

Top Strengths (3 metrics)

Total Assets

size

Value: $985.41M

Peer Median: $386.08M

#14 of 2664 Top 0.5% in $100M-$1B

Total Loans

size

Value: $760.42M

Peer Median: $255.72M

#24 of 2664 Top 0.9% in $100M-$1B

Total Deposits

size

Value: $781.99M

Peer Median: $327.97M

#92 of 2664 Top 3.4% in $100M-$1B

Top Weaknesses (5 metrics)

2487

Net Interest Margin

profitability

Value: 2.80%

Peer Median: 3.93%

#2487 of 2664 Bottom 6.7% in $100M-$1B

2446

Return on Assets

profitability

Value: 0.31%

Peer Median: 1.27%

#2446 of 2664 Bottom 8.2% in $100M-$1B

2366

Efficiency Ratio

profitability

Value: 83.79%

Peer Median: 65.29%

#2366 of 2664 Bottom 11.2% in $100M-$1B

2343

Loan-to-Deposit Ratio

liquidity

Value: 97.24%

Peer Median: 76.64%

#2343 of 2664 Bottom 12.1% in $100M-$1B

2200

Nonperforming Asset Ratio

credit_quality

Value: 1.10%

Peer Median: 0.64%

#2200 of 2664 Bottom 17.5% in $100M-$1B