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Cape & Coast Bank
Yarmouth Port, MA · FDIC Certificate #26517 · Chartered 01/0
Total assets
$1.68B
Total deposits
$1.40B
Total equity
$160.64M
Net loans
$1.45B
Branches (offices)
11
Net income (YTD)
$4.36M
Rank: #674 of 4,213 U.S. banks by assets · #30 of 89 in Massachusetts. Assets changed 2.5% and deposits 2.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.52% |
| Return on equity | 5.49% |
| Net interest margin (YTD) | 2.99% |
| Equity to assets | 9.58% |
| Tier 1 leverage ratio | 9.70% |
| Uninsured deposits (share of deposits) | 37.6% |
| Noncurrent loans (share of loans) | 0.94% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 103.6% |
| Real estate loans (share of loans) | 93.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.35B | 93.2% | |
| Commercial & industrial | $45.34M | 3.1% | |
| Consumer / individual | $62.97M | 4.3% | |
| Construction & development | $48.06M | 3.3% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.40B | $1.23B | $4.26M | $138.03M |
| Jun 2023 | $1.52B | $1.31B | $2.14M | $145.97M |
| Jun 2024 | $1.61B | $1.36B | $1.38M | $148.36M |
| Jun 2025 | $1.64B | $1.37B | $1.81M | $151.41M |
| Jun 2026 | $1.68B | $1.40B | $4.36M | $160.64M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Massachusetts | $1.40B | 11 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.40B.
Similar-sized banks
Southern Michigan Bank & Trust ($1.68B) · Everett Co-Operative Bank ($1.67B)
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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