Advertisement
The Cape Cod Five Cents Savings Bank
Hyannis, MA · FDIC Certificate #23287 · Chartered 03/1
Total assets
$5.62B
Total deposits
$4.56B
Total equity
$595.92M
Net loans
$4.35B
Branches (offices)
23
Net income (YTD)
$20.52M
Rank: #261 of 4,213 U.S. banks by assets · #9 of 89 in Massachusetts. Assets changed -0.3% and deposits 1.4% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.74% |
| Return on equity | 7.00% |
| Net interest margin (YTD) | 2.78% |
| Equity to assets | 10.60% |
| Tier 1 leverage ratio | 11.11% |
| Uninsured deposits (share of deposits) | 16.4% |
| Noncurrent loans (share of loans) | 0.47% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 95.3% |
| Real estate loans (share of loans) | 96.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $4.17B | 96.0% | |
| Commercial & industrial | $113.55M | 2.6% | |
| Consumer / individual | $73.54M | 1.7% | |
| Construction & development | $144.82M | 3.3% | |
| Agricultural | $6.22M | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $4.88B | $4.28B | $19.03M | $472.19M |
| Jun 2023 | $5.51B | $4.38B | $11.75M | $497.57M |
| Jun 2024 | $5.75B | $4.42B | $11.02M | $520.49M |
| Jun 2025 | $5.64B | $4.50B | $18.00M | $555.69M |
| Jun 2026 | $5.62B | $4.56B | $20.52M | $595.92M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Massachusetts | $4.56B | 23 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $4.56B.
Similar-sized banks
Firstrust Savings Bank ($5.62B) · Orrstown Bank ($5.61B)
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.
Advertisement