The Cape Cod Five Cents Savings Bank

What sets The Cape Cod Five Cents Savings Bank apart

How large is The Cape Cod Five Cents Savings Bank?

The balance sheet of The Cape Cod Five Cents Savings Bank at Q2 2026: assets $5.6 bn, deposits $4.6 bn, net loans $4.3 bn (loans equal to 95.26% of deposits). Securities make up 12.1% of total assets at The Cape Cod Five Cents Savings Bank. Since Q1 2016, when The Cape Cod Five Cents Savings Bank held $2.9 bn, its assets grew 94.7%. In the year to Q2 2026, deposits at The Cape Cod Five Cents Savings Bank rose 1.4% while its total assets fell 0.3%. At Q2 2026, The Cape Cod Five Cents Savings Bank employed 368 full-time equivalent staff across 23 offices, about $15.3 mn of assets per employee and $198.4 mn of deposits per office.

How much funding at The Cape Cod Five Cents Savings Bank is uninsured?

At The Cape Cod Five Cents Savings Bank, uninsured deposits (above the FDIC limit) made up 16.36% of domestic deposits at Q2 2026 (+0.25 pp on a year earlier); The Cape Cod Five Cents Savings Bank ranks 443rd of 500 on this measure. In dollars, The Cape Cod Five Cents Savings Bank estimated $746.7 mn of uninsured deposits.

Key facts, Q2 2026

US rank of The Cape Cod Five Cents Savings Bank: 1 = highest unless marked 1 = lowest.

The CET1 ratio of The Cape Cod Five Cents Savings Bank stood at 18.18% in Q2 2026, +1.54 pp year on year. Low and high at The Cape Cod Five Cents Savings Bank since Q1 2016: 13.99% (Q2 2016) to 18.18% (Q2 2026). Equity capital of The Cape Cod Five Cents Savings Bank at Q2 2026: $595.9 mn, or 10.6% of total assets. The Cape Cod Five Cents Savings Bank also reported a total capital ratio of 18.83% for Q2 2026, and a tier 1 leverage ratio of 11.11%.

On held-to-maturity securities, The Cape Cod Five Cents Savings Bank carried an unrealized loss of $1.8 mn at Q2 2026, equal to 0.3% of equity capital. The loss narrowed by $1.3 mn over the year. Its deepest point: $5.1 mn in Q2 2023. The available-for-sale portfolio of The Cape Cod Five Cents Savings Bank showed an unrealized loss of $21.1 mn at Q2 2026; the loss narrowed by $1.7 mn over the year.

For the year to Q2 2026, The Cape Cod Five Cents Savings Bank earned a return on equity of 7.00%; return on assets: 0.74%. Net interest margin at The Cape Cod Five Cents Savings Bank: 2.78%, +0.18 pp in a year. The Cape Cod Five Cents Savings Bank net income: $20.5 mn, up 14.0% year on year. The efficiency ratio of The Cape Cod Five Cents Savings Bank was 71.81%: about 72 cents cost per revenue dollar, against 59 cents at the median peer.

At Q2 2026, noncurrent loans were 0.47% of total loans at The Cape Cod Five Cents Savings Bank; net charge-offs: 0.02% of average loans. Gross loans and leases at The Cape Cod Five Cents Savings Bank: $4.4 bn, down 5.1% in a year.

The peer group of The Cape Cod Five Cents Savings Bank is the 6 banks nearest to it by total assets at Q2 2026: 3 larger and 3 smaller. Of the peers, 2 share the charter type of The Cape Cod Five Cents Savings Bank (state member bank), 6 sit in the same size group ($1 bn to $10 bn) and 1 has its head office in Massachusetts. Against them, The Cape Cod Five Cents Savings Bank shows CET1 ratio 18.18% against a peer median of 11.96%, return on equity 7.00% against a peer median of 11.69% and uninsured deposit share 16.36% against a peer median of 28.52%.

No merger or acquisition by The Cape Cod Five Cents Savings Bank appears in the FDIC history since Q1 2016, and its total assets never moved more than 25% in one quarter.