FDIC Cert #26591 · Weymouth, Massachusetts · Est. 1889

Coastal Heritage Bank - FDIC Bank Health Profile

A community-scale look at Coastal Heritage Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$949M
Total assets
C
Health grade · Fair
0.32%
Return on assets
11.5%
Tier 1 capital

Data updated July 2026

The verdict

Coastal Heritage Bank earns a PlainBankData health grade of C (51/100), with well-capitalized at 11.49% Tier 1, 0.32% ROA, 81% efficiency ratio.

#1,095
largest of 4,313 FDIC banks by assets
75th
percentile by asset size, nationally
11.49%
Tier 1 ratio - above the 10% well-capitalized line
10th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 26591 · MA C · 51/100

GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-C C (51/100)
  • BOTTOM-DECILE #4107/4307
  • PHOTO-FINISH Community Bank and T… · GA
  • TIER1-WELL 11.5% Tier 1
  • TEXAS-CLEAN 7.6% Texas
  • ROA-THIN 0.32% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Massachusetts: Community Bank and Trust - West Georgia, GA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Coastal Heritage Bank

Lowest and highest poles plus nearest scored peers outside Massachusetts, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Coastal Heritage Bank · MA ·…51/100Commercial Bank · MO · near51/100Community Bank and T… · GA ·…51/100First Fed Bank · WA · near51/100First Federal Saving… · IL ·…51/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Coastal Heritage Bank · July 2026

Plate reading for Coastal Heritage Bank where failures stay rare

Coastal Heritage Bank (FDIC Cert #26591) carries a PlainBankData health grade of C at 51/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,107 of 4,307. Tier 1 capital prints at 11.49%, clearing the 10% well-capitalized line. The Texas Ratio is 7.59%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.32%. Balance-sheet scale is $949M, 1,095th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Community Bank and Trust - West Georgia (GA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Coastal Heritage Bank

Only 1 FAILURE resolution in Massachusetts since 2000

Coastal Heritage Bank is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (1 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • BUTLER BANK LOWELL, MA 2010 → PEOPLE'S UNITED BANK
  • COMMERCIAL BANK AND TRUST COMPANY LOWELL, MA 1994 → MEDFORD SAVINGS BANK
  • LUDLOW SAVINGS BANK LUDLOW, MA 1994 → ALBANY SAVINGS BANK FSB

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Massachusetts banks.

How Coastal Heritage Bank's 51/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10051/100
Coastal Heritage Bank's composite health score
Tier 1 Capital Ratio (11.49%) 28/40
Return on Assets (ROA) (0.32%) 7/25
Texas Ratio (7.59%) 16/20
Efficiency Ratio (81.32%) 0/15

51 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$949M

Total balance-sheet footings

Total Deposits

$760M

Customer-funded liabilities

Net Loans

$770M

Outstanding loan book

Net Income

$3M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.09% 11.49% 12.89%
Basel III capital ratios - Coastal Heritage Bank

Where Coastal Heritage Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Coastal Heritage Bank's score of 51/100 falls in the highlighted band.

Coastal Heritage Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

51 5th percentile higher than 5% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). This entry sits in this band. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Coastal Heritage Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Coastal Heritage Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Coastal Heritage Bank's $949M falls in the highlighted band.

Safety metrics: Coastal Heritage Bank

Tier 1 capital ratio
Well-capitalized 10%

11.49% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.49%
Texas Ratio
7.59%
Equity Capital
$106M

What these ratios mean →

Profitability metrics: Coastal Heritage Bank

Return on Assets (ROA)
10th percentile nationally
0.32%
Return on Equity (ROE)
3.03%
Efficiency Ratio
81.32%

What these mean →

Income & expense at Coastal Heritage Bank

$43M
Interest Income
$2M
Non-Interest Income
$23M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Coastal Heritage Bank reports a Texas Ratio of 7.59% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

7.59% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Coastal Heritage Bank on FDIC BankFind →

Top banks in Massachusetts by total assets

Largest banks headquartered in Massachusetts
  1. 1
    State Street Bank and Trust Company $360.7B

    Boston, MA · Grade A

  2. 2
    Eastern Bank $30.6B

    Boston, MA · Grade B

  3. 3
    Rockland Trust Company $24.9B

    Rockland, MA · Grade A

  4. 4
    Beacon Bank and Trust $23.2B

    Brookline, MA · Grade B

  5. 5
    Salem Five Cents Savings Bank $8.5B

    Salem, MA · Grade A

Top 5 banks in Massachusetts ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($949M here), outside Massachusetts so the neighborhood is not state containment.

First Bank & Trust Co. $948M · OK Security State Bank $949M · TX First State Bank $950M · MS The Bank of Old Monroe $951M · MO

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Coastal Heritage Bank (FDIC Cert #26591) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Coastal Heritage Bank Call Report profile · FDIC Failed Bank List · Massachusetts FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Massachusetts

All Massachusetts banks →
BankAssetsGradeROA
State Street Bank and Trust CompanyBoston $360.7B A 0.83%
Eastern BankBoston $30.6B B 0.39%
Rockland Trust CompanyRockland $24.9B A 1.03%
Beacon Bank and TrustBrookline $23.2B B 0.63%
Salem Five Cents Savings BankSalem $8.5B A 0.89%
Cambridge Savings BankCambridge $6.9B B 0.97%
Needham BankNeedham $6.9B B 0.90%
Middlesex Savings BankNatick $6.2B B 0.54%