{"schema":"liquilens.bank-specialisation.v1","slug":"coastal-local-area-bank","name":"Coastal Local Area Bank","sector":"lab","as_of":"2026-11-15","status":"observed","scope":"research","score_authority":false,"can_authorize_credit":false,"exclusions":[],"historical_evidence":{"status":"PERIOD_END_PROXY_CONSTRUCTION_PIT","validated_backtest_eligible":false,"real_money_eligible":false,"bitemporal_input_contract":false,"filing_lag_days":60,"availability_time_basis":"explicit publication clock when present; otherwise period_end + 60 days","lead_times_optimistic":true,"reason":"the committed crisis dossiers do not preserve a complete public-availability/revision archive; a conservative filing lag prevents quarter-end lookahead but cannot reconstruct overwritten amendments"},"period_end":"2026-03-31","quarter":"FY26","available_at":"2026-11-10T09:23:50.407819Z","retrieved_at":"2026-11-10T06:16:18Z","publication_date":"2026-08-20","age_days":229,"freshness_limit_days":400,"sources":["issuer's own published filing"],"metrics":{"gnpa_pct":{"label":"Gross NPA / gross advances","value":2.13,"unit":"percent","status":"observed","basis":"Definition as stated in the issuer's filing for this period."},"nnpa_pct":{"label":"Net NPA / net advances","value":0.21,"unit":"percent","status":"observed","basis":"Definition as stated in the issuer's filing for this period."},"crar_pct":{"label":"Capital adequacy","value":24.81,"unit":"percent","status":"observed","basis":"Definition as stated in the issuer's filing for this period."},"cet1_pct":{"label":"Common equity Tier 1 capital ratio","value":null,"unit":"percent","status":"not_disclosed","basis":null},"tier1_pct":{"label":"Tier 1 capital ratio","value":24.36,"unit":"percent","status":"observed","basis":"Definition as stated in the issuer's filing for this period."},"casa_pct":{"label":"Current and savings account deposits / deposits","value":null,"unit":"percent","status":"not_disclosed","basis":null},"top20_depositors_pct":{"label":"Twenty largest depositors / deposits","value":14.19,"unit":"percent","status":"observed","basis":"Definition as stated in the issuer's filing for this period."},"top20_npa_pct":{"label":"Twenty largest NPA exposures / gross NPAs","value":null,"unit":"percent","status":"not_disclosed","basis":null},"lcr_pct":{"label":"Reported liquidity coverage","value":null,"unit":"percent","status":"not_disclosed","basis":null},"pcr_including_technical_writeoffs_pct":{"label":"PCR including technical write-offs","value":null,"unit":"percent","status":"not_disclosed","basis":null},"pcr_excluding_technical_writeoffs_pct":{"label":"PCR excluding technical write-offs","value":null,"unit":"percent","status":"not_disclosed","basis":null},"pcr_reported_pct":{"label":"Reported PCR; consult disclosed basis","value":90.21,"unit":"percent","status":"observed","basis":"Definition as stated in the issuer's filing for this period."},"deposits":{"label":"Deposits","value":9947205,"unit":"INR_thousand","status":"observed","basis":"Definition as stated in the issuer's filing for this period."},"advances":{"label":"Reported advances","value":8925826,"unit":"INR_thousand","status":"observed","basis":"Definition as stated in the issuer's filing for this period."},"gross_loan_portfolio":{"label":"Gross loan portfolio","value":null,"unit":"INR_thousand","status":"not_disclosed","basis":null}},"provisional_update":{"status":"unavailable","reason":"No newer provisional business update accepted by this evidence cutoff"},"source_documents":[{"url":"issuer's own published filing","sha256":"99222f5655350e28fc3e4bac9f93df689899256541d6ff334bc5d070c0974e60"}],"changes":{"quarter":{"status":"unavailable","reason":"no comparable disclosed period in the requested interval"},"year":{"status":"unavailable","reason":"no comparable disclosed period in the requested interval"}},"default_event":null,"interpretation_limits":["A falling NPA percentage does not identify recoveries; loan growth, write-offs and sales can also change it.","GNPA and NNPA use different denominators. Their ratio or difference is not provision coverage.","A zero reported NNPA is not proof of zero credit risk or full deposit safety.","Institution type is the dossier's reporting classification; licence transitions require separate verification."],"next_disclosures":["Borrower and district concentration","Capital and actual supervisory directions","Deposit concentration and maturity","Slippages, recoveries and write-offs"],"comparability_notes":[],"earlier_period_metrics":{},"regulatory_comparison":{"framework":null,"applicable":false,"status":"not_assessed","risk_level":0,"breaches":[],"headroom":[{"indicator":"CRAR","value":24.81,"entry_at":9.0,"headroom_pp":15.81}],"not_assessed":["supervisory action framework for this institution type"],"note":"No supervisory action framework is encoded for local area banks; headroom is shown against the 9% minimum CRAR in RBI's local area bank capital adequacy Directions, 2025","rule_as_of":null,"sources":["Reserve Bank of India, website pages"]},"npa_movement":{"status":"unavailable","reason":"closed NPA movement table not disclosed in the accepted record"},"ontology_id":"inst:in/rbi/coastal-local-area-bank","rbi_enforcement":{"source":"RBI press releases from 2021-04-01","lookup":"/api/experimental/v1/banking/enforcement?q=inst:in/rbi/coastal-local-area-bank","status":"no_recorded_action","total":0,"note":"No action recorded for this institution; selection is by release title, so the record may be incomplete."},"peer_context":{"status":"no_peer_group","inst_type":"lab"},"deposit_insurance":{"status":"listed_as_insured","category":"lab","name_as_printed":"COSTAL LOCAL AREA BANK LTD., ANDRA PRADESH","matched_by":"reviewed 11 Nov 2026: DICGC prints Costal for Coastal; the only local area bank with this name","source":{"publisher":"Deposit Insurance and Credit Guarantee Corporation (DICGC)","title":"List of active insured banks as on 19.10.2026","list_as_on":"2026-10-19","url":"SEBI, IBBI, MCA, DFS, DICGC, CGTMSE, NPCI, GSTN, CERSAI, PMFBY, DES, Grid-India, Bhuvan, IMD","retrieved_utc":"2026-11-11T17:19:32+00:00"},"limit":"Registration with DICGC on the list date; no statement about the bank's condition."},"rate_cards":{"snapshot_utc":"2026-11-12T08:33:00+00:00","publisher":"the bank's own website","td_effective":"2026-07-11","td_general":{"7d":4.0,"30d":5.0,"91d":5.75,"180d":6.0,"1y":7.25,"2y":7.0,"3y":7.0,"5y":7.0},"td_senior":{"7d":4.5,"30d":5.5,"91d":6.25,"180d":6.5,"1y":7.85,"2y":7.6,"3y":7.6,"5y":7.6},"savings_max":7.0,"mclr_1y":null,"eblr":null,"lookup":"/api/experimental/v1/banking/rate-cards/coastal-local-area-bank"},"lending_partners":{"snapshot_utc":"2026-11-11T18:13:36+00:00","publisher":"the lender's own website","counts":{"co_lending":0,"digital_lending_app":0,"lending_service_provider":0,"dlg_arrangement":0},"first_names":{},"lookup":"/api/experimental/v1/banking/lending-partners/coastal-local-area-bank"},"access":{"tier":"anonymous","withheld":[{"depth":"provenance","what":"the source link behind each figure","requires":"paid"}],"how_to_get_access":"Free API keys and paid data plans (priced per buyer): write to mrinal@liquilens.in. Send the key as 'Authorization: Bearer <key>'."}}