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Q2 2026 · read from the 30 June 2026 Call Report · United States · New England · Massachusetts, the state note

Coastal Heritage Bank

Weymouth, Massachusetts · $984M in assets · beside the 11 other Massachusetts banks between $300M and $1B

The filing

-3.3%
Loans, year over year
11th of 12, largest first
95.6%
Loans / deposits
10th of 12
25.9%
CRE / loans
3rd of 12

Coastal Heritage Bank is the largest of the 12 Massachusetts banks nearest its size between $300M and $1B, with $984M in assets at 30 June 2026. Loans are 95.6% of deposits, 10th of 12 against a median of 89.5%, and equity is 11.0% of assets, 4th of 12. Loans grew -3.3% in the year, 11th of 12, and deposits grew 1.5%; the cohort's median loan growth is +5.4%.

Noncurrent loans are 0.60% of the book, 9th of 12 against a median of 0.38%; 0.18% is 30 to 89 days past due, and the allowance covers them 1.8 times. Commercial real estate is 25.9% of loans, 3rd of 12 against a median of 34.8%, and 176% of capital, below the 300% screen, with construction at 40% against the 100% screen.

Return on assets is 0.38%, 9th of 12 against a median of 0.50%, on an efficiency ratio of 83.1%, 8th of 12. Five years ago it was 0.51%. The question is which of these lines moves first over the next four quarters, and against which peer.

Loans as a share of depositsMA banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 89.5% GC Greenfield Coop Bank 69.7% Bo Bank of Canton 81.4% SB Savings Bank 84.2% RB Rollstone Bank & Trust 85.4% MS Monson Savings Bank 88.4% CS Clinton Savings Bank 89.1% WC Winchester Coop Bank 89.9% SA Stonehambank A Coop Bank 93.0% EB Eagle Bank 95.0% CH Coastal Heritage Bank 95.6% SC Savers Coop Bank 108.9% MC Mechanics Coop Bank 109.8%
Loans, year over yearMA banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +5.4% EB Eagle Bank +14.6% GC Greenfield Coop Bank +7.9% MS Monson Savings Bank +7.3% MC Mechanics Coop Bank +7.0% WC Winchester Coop Bank +6.8% SB Savings Bank +6.0% SA Stonehambank A Coop Bank +4.8% Bo Bank of Canton +2.6% SC Savers Coop Bank -0.5% CS Clinton Savings Bank -2.5% CH Coastal Heritage Bank -3.3% RB Rollstone Bank & Trust -12.9%

SBA 7(a), FY2008 to FY2026

Coastal Heritage Bank is the 69th largest 7(a) lender into Massachusetts of 309, with $15M across 86 loans, 0.2% of everything approved in the state (Eastern Bank leads with $778M). 1 of its 5 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Massachusetts, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Plymouth, MA$8M12th of 1071.5%+0.1 pts
Norfolk, MA$3M52nd of 1450.4%-0.2 pts
Middlesex, MA$2M88th of 1900.1%-0.2 pts
Suffolk, MA$1M61st of 1300.2%thin
Bristol, MA$220K96th of 1120.0%quiet FY2018
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Manufacturing9$3M22.4%0.01%868th of 2,246
Retail trade18$3M20.1%0.00%977th of 2,589
Construction12$2M14.6%0.01%900th of 2,063
Accommodation & food services11$2M13.5%0.00%1254th of 2,596
Health care & social assistance8$2M13.1%0.00%886th of 2,172
7(a) lenders into Massachusetts, share of approvals since FY2008309 lenders on record; the ten largest and Coastal Heritage Bank
EB Eastern Bank 12.2% $778M · 8,606 loans LO Live Oak Banking Company 6.9% $442M · 354 loans RT Rockland Trust Company 6.7% $426M · 1,996 loans TB TD Bank, National Association 4.6% $295M · 2,208 loans CB Citizens Bank, National Associati… 4.1% $261M · 1,649 loans BB Beacon Bank and Trust 3.8% $246M · 1,377 loans WB Webster Bank National Association 3.1% $202M · 579 loans SF Salem Five Cents Savings Bank 2.8% $179M · 667 loans Ma Manufacturers and Traders Trust C… 2.2% $142M · 794 loans LB Leader Bank, National Association 2.0% $126M · 675 loans CH Coastal Heritage Bank 0.2% $15M · 86 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 7 CBLR filers, Coastal Heritage Bank among them; owner-occupied excluded; bold marks a screen met
Coastal Heritage BankRankCohort median
Total CRE against capital, the 300% screen176%3rd of 12245%
Construction against capital, the 100% screen40%5th of 1250%
Construction and land development, share of loans5.9%4th of 127.1%
Non-owner-occupied nonfarm nonresidential, share of loans12.5%5th of 1216.1%
Total CRE, the guidance definition, share of loans25.9%3rd of 1234.8%
CRE growth over 36 months, the third prong+11.3%4th of 12+17.8%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Coastal Heritage Bank$984M0.4%83.1%0.60%0.00%1.1%95.6%11.0%
Winchester Coop Bank$947M0.6%66.1%0.43%0.00%0.4%89.9%11.6%
Stonehambank A Coop Bank$918M0.5%75.7%0.32%0.00%1.0%93.0%7.7%
Greenfield Coop Bank$902M0.6%76.8%0.72%0.00%1.0%69.7%10.9%
Mechanics Coop Bank$899M1.2%61.5%0.03%0.00%0.9%109.8%13.2%
Savings Bank$891M0.4%94.4%0.17%0.00%0.8%84.2%9.4%
Rollstone Bank & Trust$816M0.1%99.1%0.20%0.00%0.9%85.4%8.6%
Monson Savings Bank$806M0.9%66.4%0.23%0.01%0.7%88.4%9.4%
Savers Coop Bank$783M0.7%70.9%3.64%0.04%1.4%108.9%10.4%
Bank of Canton$783M0.5%73.9%0.90%-0.01%1.3%81.4%14.6%
Clinton Savings Bank$745M0.3%93.2%0.50%0.66%1.2%89.1%8.0%
Eagle Bank$709M0.3%84.1%0.04%0.00%0.9%95.0%9.9%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Coastal Heritage BankCohort median
20212026Change20212026Change
Loans$679M$756M+11%$482M$625M+30%
Deposits$836M$791M-5%$580M$701M+21%
NPA / loans0.33%0.60%+0.27 pts0.41%0.38%-0.04 pts
Efficiency77.7%83.1%+5.4 pts75.1%76.2%+1.2 pts
ROA0.51%0.38%-0.13 pts0.66%0.50%-0.16 pts

This read was prepared for Coastal Heritage Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Coastal Heritage Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort MA banks $300M to $1B
Institution www.coastalheritagebank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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