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Seamen'S Bank
Provincetown, MA · FDIC Certificate #90268 · Chartered 04/1
Total assets
$478.45M
Total deposits
$405.38M
Total equity
$58.54M
Net loans
$363.08M
Branches (offices)
5
Net income (YTD)
$1.41M
Rank: #1,841 of 4,213 U.S. banks by assets · #70 of 89 in Massachusetts. Assets changed 2.2% and deposits -1.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.60% |
| Return on equity | 4.85% |
| Net interest margin (YTD) | 3.94% |
| Equity to assets | 12.24% |
| Tier 1 leverage ratio | 12.57% |
| Uninsured deposits (share of deposits) | 16.9% |
| Noncurrent loans (share of loans) | 0.76% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 89.6% |
| Real estate loans (share of loans) | 99.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $359.96M | 99.1% | |
| Commercial & industrial | $5.25M | 1.4% | |
| Consumer / individual | $19.00K | 0.0% | |
| Construction & development | $6.82M | 1.9% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $535.02M | $490.23M | $888.00K | $44.48M |
| Jun 2023 | $454.45M | $405.67M | $655.00K | $48.08M |
| Jun 2024 | $440.19M | $387.76M | $935.00K | $52.12M |
| Jun 2025 | $467.95M | $411.61M | $853.00K | $55.98M |
| Jun 2026 | $478.45M | $405.38M | $1.41M | $58.54M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Massachusetts | $405.38M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $405.38M.
Similar-sized banks
Hoyne Savings Bank ($479.91M) · Fsnb, National Association ($478.28M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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