Coastal Heritage Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Construction concentration (tier 1 capital + allowance) dropped 6.80 percentage points in Q2 2026, from 44.17% to 37.37%. It was the largest change from Q1 2026 among the key lines here. Coastal Heritage Bank ranks 39th of 89 Massachusetts banks on loan-to-deposit ratio, in the upper half at 95.56% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Coastal Heritage Bank sits 14.72 points higher, at 95.56% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $755.8M |
| Net loans and leases | $747.8M |
| Loans held for sale | $0 |
| Loans to total assets | 76.84% |
| Loan-to-deposit ratio | 95.56% |
| Net loans to equity capital | 6.93% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.45% |
| Multifamily (5+ residential) | 7.51% |
| Commercial and industrial | 4.47% |
| Consumer | 1.10% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 163.88% |
| Construction concentration (Tier 1 capital + allowance) | 37.37% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.16% |
| Interest income on loans | $9.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $805.6M | $774.6M | 19.04% | 4.48% | 1.60% |
| Q4 2023 | $816.0M | $765.5M | 18.73% | 4.76% | 1.61% |
| Q1 2024 | $809.3M | $775.2M | 18.49% | 4.54% | 1.62% |
| Q2 2024 | $803.8M | $769.6M | 18.54% | 4.92% | 1.60% |
| Q3 2024 | $796.4M | $795.4M | 18.35% | 4.92% | 1.52% |
| Q4 2024 | $781.0M | $773.5M | 18.72% | 4.81% | 1.47% |
| Q1 2025 | $774.9M | $790.0M | 18.86% | 4.46% | 1.36% |
| Q2 2025 | $781.8M | $779.6M | 20.79% | 4.17% | 1.32% |
| Q3 2025 | $777.4M | $769.0M | 21.35% | 4.11% | 1.29% |
| Q4 2025 | $778.4M | $759.7M | 21.27% | 4.15% | 1.23% |
| Q1 2026 | $768.4M | $782.0M | 21.62% | 4.33% | 1.15% |
| Q2 2026 | $755.8M | $790.9M | 22.45% | 4.47% | 1.10% |
Coastal Heritage Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Coastal Heritage Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Coastal Heritage Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26591) · FFIEC NIC profile (RSSD 115575)