Cape & Coast Bank
Total assets
$1.68B
▲ +2.5% YoY
Deposits
$1.40B
▲ +2.1% YoY
Loans
$1.45B
▲ +2.0% YoY
Offices
11
COASTAL AFFILIATES MHC
ROA (annualized)
0.52%
peers 1.26%
ROE (annualized)
5.49%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | Cape & Coast Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.5% | +5.5% | -3.0 pts |
| Deposit growth (YoY) | +2.1% | +5.1% | -2.9 pts |
| Loan growth (YoY) | +2.0% | +5.9% | -3.9 pts |
| ROA | 0.52% | 1.26% | -0.7 pts |
| ROE | 5.5% | 12.2% | -6.7 pts |
ROA ranks in the 8th percentile of its peer group · Q2 2026
Profile
- Established
- 1921
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- COASTAL AFFILIATES MHC
- Specialization
- Commercial Lending Specialization
- Address
- 121 Main St, Yarmouth Port, MA, 02675
- County
- Barnstable
- Metro area
- Barnstable Town, MA
- Offices
- 11
- FDIC cert #
- 26517
- RSSD ID
- 119779
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.68B | $1.40B | $1.45B | $160.6M | $4.4M | 0.52% | 2.99% | 0.82% |
| Q1 2026 | $1.67B | $1.40B | $1.45B | $158.3M | $1.9M | 0.45% | 2.90% | 0.90% |
| Q4 2025 | $1.67B | $1.34B | $1.45B | $157.7M | $7.8M | 0.47% | 2.80% | 0.93% |
| Q3 2025 | $1.67B | $1.40B | $1.42B | $155.4M | $5.4M | 0.44% | 2.74% | 0.83% |
| Q2 2025 | $1.64B | $1.37B | $1.42B | $151.4M | $1.8M | 0.22% | 2.62% | 1.02% |
| Q1 2025 | $1.62B | $1.37B | $1.39B | $150.7M | $942K | 0.23% | 2.59% | 0.02% |
| Q4 2024 | $1.62B | $1.36B | $1.38B | $150.5M | $3.8M | 0.24% | 2.26% | 0.06% |
| Q3 2024 | $1.60B | $1.31B | $1.38B | $149.8M | $2.7M | 0.23% | 2.21% | 0.05% |
Loan mix (Q2 2026): real estate $1.35B · commercial $45.3M · consumer $63.0M · securities $109.7M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Cape & Coast Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.52% | 1.26% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | 5.5% | 12.2% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.99% | 3.70% | 15th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.4% | 59.0% | 91th | |
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% |
Balance sheet
| Ratio | Cape & Coast 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% |
Capital
| Ratio | Cape & Coast 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% |
Credit quality
| Ratio | Cape & Coast 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% |
Franchise
| Ratio | Cape & Coast Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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