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Cape Ann Savings Bank
Gloucester, MA · FDIC Certificate #90203 · Chartered 04/1
Total assets
$1.07B
Total deposits
$804.82M
Total equity
$216.54M
Net loans
$729.60M
Branches (offices)
4
Net income (YTD)
$9.04M
Rank: #983 of 4,213 U.S. banks by assets · #46 of 89 in Massachusetts. Assets changed 7.2% and deposits 8.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.72% |
| Return on equity | 8.52% |
| Net interest margin (YTD) | 2.78% |
| Equity to assets | 20.24% |
| Tier 1 leverage ratio | 20.48% |
| Uninsured deposits (share of deposits) | 23.4% |
| Noncurrent loans (share of loans) | 0.59% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 90.7% |
| Real estate loans (share of loans) | 98.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $717.42M | 98.3% | |
| Commercial & industrial | $14.25M | 2.0% | |
| Consumer / individual | $1.25M | 0.2% | |
| Construction & development | $23.37M | 3.2% | |
| Agricultural | $2.84M | 0.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $843.09M | $646.13M | -$3.42M | $168.80M |
| Jun 2023 | $911.35M | $703.01M | $1.99M | $178.28M |
| Jun 2024 | $971.82M | $743.15M | $3.58M | $188.06M |
| Jun 2025 | $997.53M | $740.70M | $5.51M | $200.88M |
| Jun 2026 | $1.07B | $804.82M | $9.04M | $216.54M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Massachusetts | $804.82M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $804.82M.
Similar-sized banks
Brooks Bank, National Association ($1.07B) · The Monticello Banking Company ($1.07B)
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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