| Metric | Coastal Heritage Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.5% | +4.9% | -2.4 pts |
| Deposit growth (YoY) | +1.5% | +4.3% | -2.9 pts |
| Loan growth (YoY) | -3.4% | +5.3% | -8.7 pts |
| ROA | 0.37% | 1.28% | -0.9 pts |
| ROE | 3.4% | 12.4% | -9.0 pts |
ROA ranks in the 8th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $983.6M | $790.9M | $747.8M | $108.0M | $1.8M | 0.37% | 2.84% | 1.17% |
| Q1 2026 | $985.4M | $782.0M | $760.4M | $106.8M | $746K | 0.31% | 2.80% | 1.10% |
| Q4 2025 | $948.6M | $759.7M | $770.4M | $105.9M | $3.1M | 0.32% | 2.72% | 1.16% |
| Q3 2025 | $950.8M | $769.0M | $769.4M | $104.4M | $2.2M | 0.31% | 2.67% | 1.04% |
| Q2 2025 | $959.5M | $779.6M | $774.0M | $102.8M | $1.4M | 0.28% | 2.58% | 0.92% |
| Q1 2025 | $971.2M | $790.0M | $767.1M | $101.0M | $250K | 0.10% | 2.50% | 0.96% |
| Q4 2024 | $964.6M | $773.5M | $773.2M | $99.7M | $1.4M | 0.14% | 2.55% | 0.97% |
| Q3 2024 | $989.3M | $795.4M | $788.0M | $100.7M | $1.2M | 0.16% | 2.51% | 1.36% |
Loan mix (Q2 2026): real estate $713.7M · commercial $33.8M · consumer $8.3M · securities $103.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Coastal Heritage Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.37% | 1.28% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | 3.4% | 12.4% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.84% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.8% | 61.2% | 90th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Coastal Heritage Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Coastal Heritage Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Coastal Heritage Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Coastal Heritage Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.