# COASTAL HERITAGE BANK
WEYMOUTH, MA · FDIC certificate 26575 · asset band $300M-1B · latest filing 2019-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $529.4M | |
| Deposits | $415.7M | |
| Loans and leases | $454.3M | |
| Total equity | $49.2M | |
| Loans / deposits | 108.54% (p96 of band) | 84.98% |
| Liquid assets / assets | 9.74% (p5 of band) | |
| Uninsured deposits / deposits | 12.26% (p14 of band) | 21.58% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 11.22% (p79 of band) | |
| FHLB advances / assets | 11.05% | |
| Tier 1 leverage | 9.19% (p18 of band) | 10.59% |
| Unrealized securities loss / equity | 0.24% (p79 of band) | -0.32% |
| AOCI / equity | 0.45% (p27 of band) | |
| ROA (annualized) | 0.17% (p4 of band) | 1.08% |
| Net interest margin | 3.30% (p22 of band) | 3.73% |
| Efficiency ratio | 88.89% (p95 of band) | |
| Noncurrent loans | 0.30% (p34 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p28 of band) | |
| Reserve coverage of noncurrent | 235.09% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 56.18% (p65 of band) | |
| Auto loans | $209,000 (0.05% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 3.5% | |
| Employees | 95 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 3 | deposits shrinking, assets shrinking |  |
| 2012-09 | 4 | noncurrent p90 |  |
| 2012-12 | 3 |  | noncurrent p90 |
| 2013-03 | 3 |  |  |
| 2013-06 | 3 |  |  |
| 2013-09 | 1 |  | deposits shrinking, assets shrinking |
| 2013-12 | 1 |  |  |
| 2014-03 | 3 | expense ratio p90, deposits shrinking |  |
| 2014-06 | 2 |  | deposits shrinking |
| 2014-09 | 2 |  |  |
| 2014-12 | 1 |  | expense ratio p90 |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 0 |  | reserve under noncurrent |
| 2015-12 | 2 | losing money, expense ratio p90 |  |
| 2016-03 | 1 |  | losing money |
| 2016-06 | 0 |  | expense ratio p90 |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | loans exceed deposits |  |
| 2017-03 | 0 |  | loans exceed deposits |
| 2017-06 | 1 | loans exceed deposits |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | capital falling |  |
| 2018-03 | 1 |  | capital falling |
| 2018-06 | 2 | liquid assets <10% |  |
| 2018-09 | 3 | wholesale funding >15% |  |
| 2018-12 | 3 | expense ratio p90 | wholesale funding >15% |
| 2019-03 | 3 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-11 [Brian F. Madden Obituary Feb 10, 2026 - Keohane Funeral Home](https://news.google.com/rss/articles/CBMiW0FVX3lxTE52eXFHTVVjaFJqUkwtc2xSdG10Sjk5TGVKUmhFc1VrSk5VQi1nMHc4dUM4azgzdzVSNEczUzQ5cnJKMFVZckJORWJPS1BWWUcxQlhmQWR6OEZLQU0?oc=5) · Keohane Funeral Home
- 2020-06-05 [Coastal Heritage Bank president, CEO retires - Wicked Local](https://news.google.com/rss/articles/CBMitwFBVV95cUxPUExhVG1TcFduQWREMW84eW5QbVR6VWN6Y2hHLXl4a3VMY0NucksyV1FLeTJDa3dqWWMtNjFIWGZpNkZsQncteGFCb1FiSnh0cmw5T254ZXRMT2ltY2tiNUltR2pkWWFjRG1mWEtmUlR4RUs5XzhfS0kwMjhqWkE5dXNVLVg5Tmh3SVBKako2UlFTYjdGM0xmNnRlU3dsdkZiM2Z2NC1jR3hCMmlzMldhcUNtb0lFb2M?oc=5) · Wicked Local
- 2025-01-29 [Bank Sells Mortgage on Troubled Seashore Park Inn - The Provincetown Independent](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNR1hzTVBVYVU3QWVvdWI4Yk00LVQyWm9Vb2FWR2FyYVVrci15RHBabHdQYUxvVlZaOFctcWQ1azF4WFV6RndsWkFmc3p0U0tjLU1IM1EyV1pnWW1mX3FFaWI2R2otWFpLYV9BNnFlV1RVUkRNQk5kSkFpeXhaMGlkYUFLWGgwdndaS1FhWHR1STFGclBMc1RpQzdIZG1NRkRxNWxBb3ZqSEdCQQ?oc=5) · The Provincetown Independent
- 2025-02-17 [Julie Thurlow, whose career began by accident, is making waves at Reading Cooperative Bank - The Boston Globe](https://news.google.com/rss/articles/CBMikAFBVV95cUxOTURIVW9VY0FmWF9qZnhsc0dOUE1xc1VZaDdiS18zVDBtWk5zZWt5eG5LRjlLbndnVjViR2MtbWk0dmttQTNoSXpnMHlhbkgyNmFWT1YwM29BMWVvS3M0QWxMekVLY0ExdWpwUW81dzF3ekJyMVhtbEZkckFqdUJiSF9MZjhxeHNSMDQtUnRkTGw?oc=5) · The Boston Globe
- 2022-10-06 [‘Severe’ gambling addiction behind woman’s $200K Scituate Irish pub theft, prosecutors say - MassLive](https://news.google.com/rss/articles/CBMi0AFBVV95cUxQR1A3NlJjeUVGTWlYSTViWFJxWHh4b2tPNzhVbC1Sd1pfMjZSUnpzQzFCZkdGXzRpa3AyeE90V1M1dzdZX09XTmNKMEVyMkM2UzdWODgtdHM0cXQtdXBiaUlwTEpSd3dIWEgzVHYtMHliR0Zvd0JVdENZSjdwSXdzUklUckswUmFkYkpvTzhiNGMzelQyWDlrcjV5eDFyM1lndm5XaXZ6UlIwNmZmckRHb2FxZGJsSVFjWWY2LWkxaE5MTlBVS0tJMXE2c2FzbXJ4?oc=5) · MassLive
- 2019-01-24 [Sean McCarthy Obituary - Scituate, MA - Dignity Memorial](https://news.google.com/rss/articles/CBMiggFBVV95cUxNUEVobXk1TGxoUUJXdEZtQVlycHduRkZPNDgyRlAtT183aUItdWNxWGVHSnQ0TzN6STA1UHB4WU9wWUNncGc1MkE4NmpuYTBSZDJYU3VSOUxvRkEyMm9rVm1WRGtSVWxvcWlrYjdxQm1tNXBSRnZBY0RHTDFFbmh2VjJR?oc=5) · Dignity Memorial
- 2024-08-28 [Owner of Seashore Park Inn Halts Auction With Bankruptcy Filing - The Provincetown Independent](https://news.google.com/rss/articles/CBMivAFBVV95cUxQb3hmXy1ES3owVWNSRVg3UTItMjRWd3pFbGNRWkdZVGVHaG45MFBCOENsTEx1TFh3aTBEVEtjZ1R1SEZVeERnci12d3RwZXlxSlRodTcwY3d1OHBlSFhrMVRrX0txN3o4Qkdqb1RmcE92eHdqSDBEUEZKeGs0Y3pZcnRIU0VZQzdwQ2JPZzdlb0Vxc2g5UEUtTFAzQ05MTjJzUFVVeWVXTVE2cE9rSWpWT1dqbC05U3pEc3hQcA?oc=5) · The Provincetown Independent
- 2021-05-17 [Laurie Belanger Pecce Obituary May 17, 2021 - Keohane Funeral Home](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE1MZzhjdngxb0QxdDlvcHBYRF9XYkZwMDVHWV96ZkVMNlBuZ1pTYlF6YmVRWDB3N3VDbk9pMEpTcmNvNThtdW8zbl90UmNhT3pWTXZHeGtrRGk0S2xoSmV1U1otN21wTDQ?oc=5) · Keohane Funeral Home

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26575 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/15.json (key "26575", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide