Headquartered in Weymouth, Massachusetts, Coastal Heritage Bank is a state-chartered bank (fed member) with $983.6M in total assets and $790.9M in deposits as of Q2 2026. It operates 10 offices. Its charter dates back to 1889.
Coastal Heritage Bank has a TellerScore of 63 out of 100 (moderate) based on Q2 2026 data — higher than only 24% of its 2,650 banks with $100 million – $1 billion. Among 92 banks headquartered in Massachusetts, it ranks 49th. Problem-loan coverage contributes the most (84/100, 7.9%); earnings contributes the least (35/100, 0.37%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 4 points (59 → 63), mostly because the loan quality component improved by 7 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 52 |
| Q3 2024 | 51 |
| Q4 2024 | 56 |
| Q1 2025 | 57 |
| Q2 2025 | 59 |
| Q3 2025 | 59 |
| Q4 2025 | 58 |
| Q1 2026 | 62 |
| Q2 2026 | 63 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.68% |
| Q3 2024 | 10.73% |
| Q4 2024 | 10.86% |
| Q1 2025 | 10.96% |
| Q2 2025 | 11.16% |
| Q3 2025 | 11.34% |
| Q4 2025 | 11.49% |
| Q1 2026 | 11.39% |
| Q2 2026 | 11.54% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.29% |
| Q3 2024 | 1.39% |
| Q4 2024 | 0.89% |
| Q1 2025 | 0.89% |
| Q2 2025 | 0.82% |
| Q3 2025 | 0.96% |
| Q4 2025 | 1.11% |
| Q1 2026 | 0.59% |
| Q2 2026 | 0.60% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.15% |
| Q3 2024 | 0.16% |
| Q4 2024 | 0.14% |
| Q1 2025 | 0.10% |
| Q2 2025 | 0.28% |
| Q3 2025 | 0.31% |
| Q4 2025 | 0.32% |
| Q1 2026 | 0.31% |
| Q2 2026 | 0.37% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 63 | $983.6M | 11.54% | 0.60% | 0.37% | 94.6% |
| Q1 2026 | 62 | $985.4M | 11.39% | 0.59% | 0.31% | 97.2% |
| Q4 2025 | 58 | $948.6M | 11.49% | 1.11% | 0.32% | 101.4% |
| Q3 2025 | 59 | $950.8M | 11.34% | 0.96% | 0.31% | 100.0% |
| Q2 2025 | 59 | $959.5M | 11.16% | 0.82% | 0.28% | 99.3% |
| Q1 2025 | 57 | $971.2M | 10.96% | 0.89% | 0.10% | 97.1% |
| Q4 2024 | 56 | $964.6M | 10.86% | 0.89% | 0.14% | 100.0% |
| Q3 2024 | 51 | $989.3M | 10.73% | 1.39% | 0.16% | 99.1% |
| Q2 2024 | 52 | $985.4M | 10.68% | 1.29% | 0.15% | 103.4% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Massachusetts
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Winchester Co-operative BankBank Winchester, MA | 69 out of 100, Moderate | $946.9M | 11.8% | 0.43% | vs |
| StonehamBank, A Co-operative BankBank Stoneham, MA | 60 out of 100, Moderate | $918.3M | 8.9% | 0.32% | vs |
| Greenfield Co-operative BankBank Greenfield, MA | 71 out of 100, Strong | $901.8M | 12.5% | 0.72% | vs |
| Mechanics Cooperative BankBank Taunton, MA | 77 out of 100, Strong | $898.8M | 12.4% | 0.03% | vs |
| The Savings BankBank Wakefield, MA | 62 out of 100, Moderate | $891.0M | 9.4% | 0.17% | vs |
| Rollstone Bank & TrustBank Fitchburg, MA | 62 out of 100, Moderate | $816.3M | 10.1% | 0.20% | vs |
Deposit insurance
Is my money safe at Coastal Heritage Bank?
Yes. Coastal Heritage Bank is an FDIC-insured institution (FDIC certificate #26591). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 25.9% of deposits ($204.9M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.54%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
10 locations
Branches
Coastal Heritage Bank lists 9 offices in 8 cities. Most locations:
- Weymouth, MA (2)
- East Weymouth, MA (1)
- Hanover, MA (1)
- Kingston, MA (1)
- Maarshfield, MA (1)
- Marshfield, MA (1)
- Quincy, MA (1)
- Scituate, MA (1)
HMDA 2025
Mortgage lending
In 2025, Coastal Heritage Bank reported 89 home-loan applications under HMDA (LEI 549300URUSGWHXJ4OZ19): 74 originated ($52,880,000 total), 5 denied, and 7 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.1%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Coastal Heritage Bank
- Former names
- Weymouth Co-operative Bank; Equitable Bank; Weymouth Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 26591
- RSSD ID
- 115575
- Primary regulator
- FED
- Holding company
- Equitable Bcorp Mhc
- Established
- January 1, 1889
- Headquarters
- 195 Washington St, Weymouth, MA 02188
- Website
- www.coastalheritagebank.com
- Employees
- 116
Quick answers
Coastal Heritage Bank: common questions
Is Coastal Heritage Bank FDIC insured?
Yes. Coastal Heritage Bank is an FDIC-insured institution (FDIC certificate #26591). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Coastal Heritage Bank's TellerScore?
63 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Coastal Heritage Bank ever failed?
There is no failure record for FDIC certificate #26591 in the FDIC failed bank list.
How many branches does Coastal Heritage Bank have?
10 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Weymouth
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Alpha Credit UnionCredit union Boston, MA | 97 out of 100, Very strong | $35.1M | 18.8% | 0.14% | vs |
| Cambridge Municipal Employees Federal Credit UnionCredit union Cambridge, MA | 97 out of 100, Very strong | $10.2M | 24.8% | 0.12% | vs |
| Somerville Mass Firefighters Federal Credit UnionCredit union Somerville, MA | 92 out of 100, Very strong | $7.4M | 19.6% | 0.00% | vs |
| Cambridge Firefighters Federal Credit UnionCredit union Cambridge, MA | 92 out of 100, Very strong | $14.2M | 25.8% | 0.27% | vs |
| Watertown Municipal Credit UnionCredit union Watertown, MA | 91 out of 100, Very strong | $9.7M | 36.9% | 0.00% | vs |
| NorthEast Community BankBank White Plains, NY | 90 out of 100, Very strong | $2.1B | 17.3% | 0.00% | vs |