Coastal Heritage Bank: how it compares with its peers
Against 44 MA banks with half to twice its assets, Coastal Heritage Bank's strongest measure in Q2 2026 is efficiency ratio (80.84% vs. a 75.47% peer median). Its weakest relative measure is return on assets (0.37% vs. 0.60%).
| Measure | Coastal Heritage Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.37% | 0.60% | Bottom third Ahead of 18% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.84% | 3.05% | Middle third Ahead of 34% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 80.84% | 75.47% | Middle third Ahead of 36% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.5M | $9.4M | Bottom third Ahead of 32% of peers |
| Loans to deposits Net loans and leases over total deposits. | 94.55% | 93.39% | Context |
What it means for lending operations
Its efficiency ratio of 80.84% is above the 75.47% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Adams Community Bank Adams, MA · $1.01B
- Winchester Co-operative Bank Winchester, MA · $947M
- StonehamBank, A Co-operative Bank Stoneham, MA · $918M
- OneLocal Bank Norwood, MA · $1.05B
- Greenfield Co-operative Bank Greenfield, MA · $902M
Questions about Coastal Heritage Bank
How big is Coastal Heritage Bank?
Coastal Heritage Bank, established in 1889, is headquartered in Weymouth, MA. It reported $984M in total assets in its Q2 2026 FDIC call report and operates 10 offices.
What is Coastal Heritage Bank's return on assets?
0.37% annualized in Q2 2026, against a 0.60% median for 44 MA banks with half to twice its assets, ahead of 18% of them.
What is Coastal Heritage Bank's efficiency ratio?
80.84% in Q2 2026: it spent about 81 cents in noninterest expense for each dollar of revenue. The peer median is 75.47%, and lower is better.
Is Coastal Heritage Bank growing its loans?
Net loans shrank 3.4% over the year to Q2 2026, while deposits grew 1.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Massachusetts bank ranked.