Coastal Heritage Bank
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Data as of · sourced from FFIEC call reports. How we update
Coastal Heritage Bank is an FDIC-insured commercial bank headquartered in Weymouth, MA, established in 1889 (FDIC certificate 26591), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $983.6M, up 2.5% from Q2 2025, the 49th largest of 89 banks headquartered in Massachusetts. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.54% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 26591
- Headquarters
- Weymouth, MA
- Established
- 1889
- Total assets, Q2 2026
- $983.6M
- Assets vs Q2 2025
- +2.5%
- Tier 1 leverage ratio, Q2 2026
- 11.54%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 211371492
- Latest call report
- Q2 2026, FFIEC 051 · Coastal Heritage Bank call report
- Holding company
- EQUITABLE BANCORP, INC.
- Asset rank in state
- 49th of 89 in Massachusetts
Coastal Heritage Bank, based in Weymouth, Massachusetts, reported $984 million in assets at June 30, 2026, up 2.5% from a year earlier. It keeps 2.88 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also returns 4.0% a year on shareholders' equity, about a third the median of 12.5% for banks its size.
Loans and deposits moved in opposite directions: over the year loans fell 3.3% and deposits rose 1.5%. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.60% of loans, down from 0.82% a year earlier. Costs are the weak spot: it spends about 78 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, Coastal Heritage Bank reported a return on assets of 0.45%, a nonperforming-loan ratio of 0.60% and a Texas ratio of 7.98%. The figures come from its call report filed with the FFIEC.
Of the 89 banks headquartered in Massachusetts, Coastal Heritage Bank is the 49th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.2% to $983.6M, loans fell 1.6% and deposits rose 1.1%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 58.6% of total loans, followed by non-owner-occupied commercial real estate loans at 12.5%. Its 10 offices in the FDIC Summary of Deposits are in 8 cities in MA; its Weymouth 2 offices book 30% of its branch deposits. Judged on its Q2 2026 call report, Coastal Heritage Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 195 Washington St, Weymouth, MA 02188
- County
- Norfolk
- Metro Area
- Boston-Cambridge-Newton, MA-NH
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1889
- Former names
- Equitable Bank (2016-2019); Weymouth Bank (2002-2016)
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 116
- Domestic deposits
- $790.9M
- Allowance for credit losses
- $8.0M
- Net charge-offs (YTD)
- $12K
- Average total assets
- $965.3M
- Average total loans
- $761.0M
- Average interest-bearing deposits
- $598.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 11, 1986
- FDIC Cert
- 26591
- Fed RSSD
- 115575
- Website
- www.coastalheritagebank.com →
- Parent Holding Company
- EQUITABLE BANCORP, INC. (RSSD 3431203)
- Ultimate Parent
- EQUITABLE BANCORP, MHC (RSSD 3398315)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Coastal Heritage Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Coastal Heritage Bank's total assets ranged from $948.6M (Q4 2025) to $989.3M (Q3 2024), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$983.6M total assets against $959.5M; $875.7M total liabilities against $856.7M.
$747.8M net loans and leases against $774.0M; $790.9M total deposits against $779.6M.
$103.1M securities against $112.2M; $86.7M cash and balances due against $30.6M.
$10.9M total interest income against $10.7M; $4.3M total interest expense against $4.6M.
$6.7M net interest income against $6.0M.
$706K total noninterest income against $591K; $5.9M total noninterest expense against $5.2M.
$0 provision for credit losses against $0.
$1.1M net income against $1.1M.
0.45% return on assets against 0.46%; 2.88% net interest margin against 2.62%.
11.54% tier 1 leverage ratio against 11.16%.
Inside the full Coastal Heritage Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCoastal Heritage Bank rankings
Its closest position to the top of a national ranking is 837 of 3,640, for Texas Ratio; its furthest is 3,295 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.08% (Q4 2024) to 0.46% (Q2 2025) and its net interest margin ran from 2.46% (Q1 2025) to 2.88% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.54% | 0.45% | 0.60% | 7.98% | 2.88% |
| Q1 2026 | 11.39% | 0.31% | 0.59% | 7.52% | 2.76% |
| Q4 2025 | 11.49% | 0.37% | 1.11% | 7.71% | 2.83% |
| Q3 2025 | 11.34% | 0.36% | 0.96% | 6.76% | 2.81% |
| Q2 2025 | 11.16% | 0.46% | 0.82% | 5.93% | 2.62% |
| Q1 2025 | 10.96% | 0.10% | 0.89% | 6.49% | 2.46% |
| Q4 2024 | 10.86% | 0.08% | 0.89% | 6.61% | 2.59% |
| Q3 2024 | 10.73% | 0.20% | 1.39% | 10.39% | 2.52% |
Swipe the table sideways to see every column.
Branch Network
View all 10 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Broad Street Branch | East Weymouth , MA | 02189 | $145.7M |
| Patriot Branch | Weymouth , MA | 02190 | $128.9M |
| Scituate Fed Bank Branch | Scituate , MA | 02066 | $114.9M |
| Coastal Heritage Bank (main office) | Weymouth , MA | 02188 | $111.0M |
| Marshfield Branch | Maarshfield , MA | 02050 | $87.6M |
| Kingston Branch | Kingston , MA | 02364 | $72.9M |
| Hanover Branch | Hanover , MA | 02339 | $60.9M |
| Green Harbor Branch | Marshfield , MA | 02050 | $31.5M |
| Quincy Branch | Quincy , MA | 02169 | $30.4M |
| Online Branch | East Weymouth , MA | 02189 | $7.1M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 1, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2019 | Structure Change | Acquired Coastal Heritage Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 30, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 30, 2016 | Structure Change | Acquired Equitable Co-operative Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 1, 1981 | Structure Change | Acquired North Weymouth Co-Operative Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 5 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action June 12, 2017. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in MA, rank 61 of 112 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 91 applications, 74 loans originated, $52.9M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $50K approved, $50K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Coastal Heritage Bank
What are Coastal Heritage Bank's total assets?
As of the Q2 2026 filing, Coastal Heritage Bank reported total assets of $983.6 million in its FFIEC call report.
Where is Coastal Heritage Bank headquartered?
It is headquartered in Weymouth, MA, United States.
When was Coastal Heritage Bank founded?
It was established in 1889, per the FDIC institution directory.
Is Coastal Heritage Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #26591). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Coastal Heritage Bank?
Coastal Heritage Bank's primary federal regulator is the Federal Reserve.
How many branches does Coastal Heritage Bank operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Coastal Heritage Bank's Texas Ratio?
Its Texas Ratio is 7.98% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Coastal Heritage Bank previously called?
The charter now named Coastal Heritage Bank has also operated as Equitable Bank (2016-2019), Weymouth Bank (2002-2016), per FDIC structure-change records.
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