Coastal Heritage Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Coastal Heritage Bank of Weymouth, MA against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.45% | 1.35% | -0.90% | 11th bottom |
| ROAE | 4.00% | 13.33% | -9.33% | 11th bottom |
| Net Interest Margin | 2.88% | 3.93% | -1.05% | 8th bottom |
| Efficiency Ratio | 77.94% | 61.12% | +16.82% | 16th bottom |
| PPNR / Avg Assets | 0.60% | 1.68% | -1.08% | 10th bottom |
| Yield on Earning Assets | 4.73% | 5.67% | -0.94% | 14th bottom |
| Cost of Funds | 2.03% | 1.88% | +0.15% | 35th below |
| Net Interest Spread | 2.32% | 3.33% | -1.01% | 9th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.28% | 0.94% | +0.34% | 22nd bottom |
| NPA / Total Assets | 1.45% | 0.70% | +0.75% | 12th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 42nd below |
| ACL / Total Loans | 1.06% | 1.28% | -0.22% | 32nd below |
| ACL / NPLs (Coverage) | 82.58% | 1547.65% | -1465.07% | 22nd bottom |
| Texas Ratio | 12.48% | 7.33% | +5.15% | 16th bottom |
| Provision / NCO | 0.00% | 1396.89% | -1396.89% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.54% | 12.14% | -0.60% | 58th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.98% | 11.37% | -0.39% | 60th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.84% | 11.08% | -0.24% | 62nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 95.56% | 80.65% | +14.91% | 17th bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.79% | 86.85% | +0.94% | 43rd below |
| Wholesale Funding Ratio | 7.95% | 5.03% | +2.92% | 21st bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.51% | 6.85% | -4.34% | 36th below |
| Loan Growth (Y/Y) | -3.33% | 7.93% | -11.26% | 11th bottom |
| Deposit Growth (Y/Y) | 1.46% | 6.29% | -4.83% | 32nd below |
See Coastal Heritage Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Coastal Heritage Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Coastal Heritage Bank profile, how to read a UBPR, or how this data updates.