BlastPoint's Banking Scorecard
Coastal Heritage Bank
Community
Specialty: Commercial
MA
FDIC cert 26591
Weymouth, MA
1484
banks in Community tier nationally
59 in MA
View Community leaderboard (MA) →
Coastal Heritage Bank faces 6 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 1% in Community
- - Capital Thin: Bottom 8% in Community
- - Liquidity Strain: Bottom 27% in Community
- - Efficiency Drag: Bottom 38% in Community
- - Return on Assets 0.84% below tier
- - Net Interest Margin 0.94% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$948.6M
-1.7% YoY
-0.2% QoQ
|
-$442.8M |
$1.4B
+2.0% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
46% |
| Total Loans ? |
$770.4M
-0.4% YoY
+0.1% QoQ
|
-$205.0M |
$975.5M
+2.4% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
55% |
| Total Deposits ? |
$759.7M
-1.8% YoY
-1.2% QoQ
|
-$404.9M |
$1.2B
+1.7% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
43% |
| Return on Assets ? |
0.32%
+124.0% YoY
+5.2% QoQ
|
-0.84% |
1.16%
+17.2% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 7% in tier |
| Net Interest Margin ? |
2.72%
+7.0% YoY
+1.9% QoQ
|
-0.94% |
3.66%
+9.1% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 10% in tier |
| Efficiency Ratio ? |
81.32%
-10.5% YoY
-0.3% QoQ
|
+18.68% |
62.63%
-5.3% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 9% in tier |
| Delinquency Rate ? |
1.12%
+25.0% YoY
+15.6% QoQ
|
+0.49% |
0.63%
+18.3% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
101.41%
+1.5% YoY
+1.4% QoQ
|
+18.35% |
83.06%
+0.3% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
Bottom 11% in tier |
| Non-Interest-Bearing Deposit Share ? |
21.27%
+4.7% YoY
+2.7% QoQ
|
+0.23% |
21.05%
-0.9% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
56% |
| Nonperforming Asset Ratio ? |
1.16%
+19.8% YoY
+12.1% QoQ
|
+0.66% |
0.50%
+20.3% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
16% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.25%
+0.5% YoY
+28.3% QoQ
|
-0.49% |
0.74%
-1.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
17% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (6)
Flatlined Growth
risk
#3 of 245 · Bottom 1% in Community
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:
0.32%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
Capital Thin
risk
#36 of 432 · Bottom 8% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank declining
Liquidity Strain
risk
#139 of 513 · Bottom 27% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
101.41%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
Efficiency Drag
risk
#59 of 152 · Bottom 38% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
81.32%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 7%
in Community
Why this stands out
Current:
0.32%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 10%
in Community
Why this stands out
Current:
2.72%
(Tier avg: 3.66%, National avg: 3.75%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
56
56th pctile
Non-Interest-Bearing Deposit Share
Current: 21.27% · Tier avg: 21.05%
55
55th pctile
Total Loans
Current: $770.4M · Tier avg: $975.5M
46
46th pctile
Total Assets
Current: $948.6M · Tier avg: $1.4B
43
43th pctile
Total Deposits
Current: $759.7M · Tier avg: $1.2B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
23
23th pctile
Delinquency Rate
Current: 1.12% · Tier avg: 0.63%
17
17th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.74%
16
16th pctile
Nonperforming Asset Ratio
Current: 1.16% · Tier avg: 0.50%
11
11th pctile
Loan-to-Deposit Ratio
Current: 101.41% · Tier avg: 83.06%
10
10th pctile
Net Interest Margin
Current: 2.72% · Tier avg: 3.66%
9
9th pctile
Efficiency Ratio
Current: 81.32% · Tier avg: 62.63%
7
7th pctile
Return on Assets
Current: 0.32% · Tier avg: 1.16%
Top Weaknesses
7
7th pctile
Return on Assets
Current: 0.32% · Tier avg: 1.16%
9
9th pctile
Efficiency Ratio
Current: 81.32% · Tier avg: 62.63%
10
10th pctile
Net Interest Margin
Current: 2.72% · Tier avg: 3.66%
11
11th pctile
Loan-to-Deposit Ratio
Current: 101.41% · Tier avg: 83.06%
16
16th pctile
Nonperforming Asset Ratio
Current: 1.16% · Tier avg: 0.50%
17
17th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.74%
23
23th pctile
Delinquency Rate
Current: 1.12% · Tier avg: 0.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
43
43th pctile
Total Deposits
Current: $759.7M · Tier avg: $1.2B
46
46th pctile
Total Assets
Current: $948.6M · Tier avg: $1.4B
55
55th pctile
Total Loans
Current: $770.4M · Tier avg: $975.5M
56
56th pctile
Non-Interest-Bearing Deposit Share
Current: 21.27% · Tier avg: 21.05%