| Metric | Cape Ann Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.2% | +5.5% | +1.8 pts |
| Deposit growth (YoY) | +8.7% | +5.1% | +3.6 pts |
| Loan growth (YoY) | +4.5% | +5.9% | -1.5 pts |
| ROA | 1.72% | 1.26% | +0.5 pts |
| ROE | 8.5% | 12.2% | -3.7 pts |
ROA ranks in the 79th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.07B | $804.8M | $729.6M | $216.5M | $9.0M | 1.72% | 2.78% | 0.40% |
| Q1 2026 | $1.05B | $793.5M | $717.8M | $211.5M | $3.2M | 1.22% | 2.75% | 0.30% |
| Q4 2025 | $1.04B | $782.7M | $720.0M | $208.9M | $11.0M | 1.09% | 2.46% | 0.38% |
| Q3 2025 | $1.03B | $773.0M | $712.0M | $206.2M | $10.2M | 1.36% | 2.39% | 0.29% |
| Q2 2025 | $997.5M | $740.7M | $698.5M | $200.9M | $5.5M | 1.11% | 2.34% | 0.32% |
| Q1 2025 | $979.4M | $721.3M | $691.1M | $197.0M | $2.3M | 0.92% | 2.25% | 0.37% |
| Q4 2024 | $992.4M | $754.8M | $685.1M | $192.5M | $6.6M | 0.68% | 1.86% | 0.33% |
| Q3 2024 | $1.00B | $761.1M | $678.0M | $195.5M | $8.5M | 1.16% | 1.79% | 0.38% |
Loan mix (Q2 2026): real estate $717.4M · commercial $14.3M · consumer $1.3M · securities $241.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Cape Ann Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.72% | 1.26% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 8.5% | 12.2% | 22nd | |
Net interest margin Interest income − interest expense, ÷ assets | 2.78% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.6% | 59.0% | 48th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Cape Ann Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Cape Ann Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Cape Ann Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Cape Ann Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Cape Ann Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
4 branches in 1 county across 1 state (-1 vs 2024) · $740.7M branch deposits. Biggest market: Essex, MA, ranked 9th with 2.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Essex, MA | 4 | $740.7M | 2.27% | 9th |
Massachusetts: 70th with 0.12% · Boston-Cambridge-Newton metro: 49th, 0.13% ·
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 4