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This institution is no longer active

Operations ceased on April 1, 2019. CRA examination history below reflects the period it was active.

COASTAL HERITAGE BANK

WEYMOUTH, MA · Supervised by FDIC

Est. 1890FDIC #26,575RSSD: FDIC-26575
Part ofSOUTH SHORE MUTUAL HOLDING CO→ View all charters
Satisfactory Same

Current rating · Exam: August 2018

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.17%

Institution Profile

FDIC BankFind

Address

195 Washington Street, WEYMOUTH, MA

County

Norfolk County

Established

January 1, 1890

Total Assets

$529M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

August 1, 2018

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 7 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2019Call Report / FDIC

Total Assets

$529M

Total Deposits

$416M

Net Loans

$451M

Net Income

$227K

ROA

0.17%

ROE

1.86%

Risk-Based Capital

14.09%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate5.38%Peer avg: 7.63%▲ Above avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20249377.42%5.38%
202314085.71%2.14%
202226687.59%5.64%
202141580.48%6.02%
202051177.69%4.70%
201933076.97%7.88%
201832875.91%11.28%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

6 previous ratings locked — dating back to 1994

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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