TellerScore

Cape & Coast Bank is a si headquartered in Yarmouth Port, Massachusetts, in business for about 105 years. At the end of Q2 2026 it reported $1.7B in total assets and $1.4B in deposits, with 11 offices.

Cape & Coast Bank has a TellerScore of 53 out of 100 (below average) based on Q2 2026 data — higher than only 11% of its 897 banks with $1 billion – $10 billion. Among 92 banks headquartered in Massachusetts, it ranks 78th. Problem-loan coverage contributes the most (84/100, 8.1%); funding & liquidity contributes the least (32/100, 104% loans-to-deposits, 38% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion47/100
Tier 1 leverage ratio: 9.70%
Loan quality69/100
Noncurrent loans ÷ total loans: 0.94%
Earnings41/100
Return on assets (annualized): 0.52%
Funding & liquidity32/100
Loans ÷ deposits and uninsured-deposit share: 103.6% · 37.6% uninsured
Problem-loan coverage84/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 8.05%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 6 points (47 → 53), mostly because the earnings component improved by 12 points.

TellerScore
475359Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202458
Q3 202459
Q4 202459
Q1 202559
Q2 202547
Q3 202552
Q4 202549
Q1 202651
Q2 202653
Tier 1 leverage ratio
5.00%7.35%9.70%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.29%
Q3 20249.43%
Q4 20249.38%
Q1 20259.35%
Q2 20259.39%
Q3 20259.46%
Q4 20259.53%
Q1 20269.57%
Q2 20269.70%
Noncurrent loans
0.02%0.59%1.17%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.08%
Q3 20240.06%
Q4 20240.06%
Q1 20250.02%
Q2 20251.17%
Q3 20250.97%
Q4 20251.07%
Q1 20261.03%
Q2 20260.94%
Return on assets
0.17%0.35%0.52%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.17%
Q3 20240.23%
Q4 20240.24%
Q1 20250.23%
Q2 20250.22%
Q3 20250.44%
Q4 20250.47%
Q1 20260.45%
Q2 20260.52%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202653$1.7B9.70%0.94%0.52%103.6%
Q1 202651$1.7B9.57%1.03%0.45%104.0%
Q4 202549$1.7B9.53%1.07%0.47%108.3%
Q3 202552$1.7B9.46%0.97%0.44%101.5%
Q2 202547$1.6B9.39%1.17%0.22%103.7%
Q1 202559$1.6B9.35%0.02%0.23%101.7%
Q4 202459$1.6B9.38%0.06%0.24%101.5%
Q3 202459$1.6B9.43%0.06%0.23%105.0%
Q2 202458$1.6B9.29%0.08%0.17%103.0%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.70%
29th
Total risk-based capital0.00%
13th
Problem loans0.94%
28th
Net charge-offs0.00%
71st
Return on assets0.52%
9th
Net interest margin2.99%
15th
Efficiency ratio77.4%
9th
Loans to deposits103.6%
9th
Uninsured deposits37.6%
33rd
Loan-loss reserves0.67%
9th
Texas ratio8.1%
23rd

Similar-size banks in Massachusetts

InstitutionScoreAssetsCapitalProblem loansCompare
Everett Co-operative BankBank Everett, MA62 out of 100, Moderate$1.7B9.8%0.10%vs
Main Street BankBank Marlborough, MA58 out of 100, Moderate$1.7B12.0%1.69%vs
East Cambridge Savings BankBank Cambridge, MA59 out of 100, Moderate$1.7B9.7%0.20%vs
Bluestone BankBank Raynham, MA51 out of 100, Below average$1.6B9.5%1.04%vs
Newburyport Five Cents Savings BankBank Newburyport, MA44 out of 100, Below average$1.6B9.8%1.66%vs
Greenfield Savings BankBank Greenfield, MA61 out of 100, Moderate$1.5B10.1%0.42%vs

Deposit insurance

Is my money safe at Cape & Coast Bank?

Yes. Cape & Coast Bank is an FDIC-insured institution (FDIC certificate #26517). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 37.6% of deposits ($526.2M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.70%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

11 locations

Branches

Cape & Coast Bank lists 10 offices in 9 cities. Most locations:

  • Yarmouth Port, MA (2)
  • East Dennis, MA (1)
  • East Harwich, MA (1)
  • Falmouth, MA (1)
  • Hyannis, MA (1)
  • Marstons Mills, MA (1)
  • North Falmouth, MA (1)
  • Sandwich, MA (1)
  • West Barnstable, MA (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Cape & Coast Bank reported 235 home-loan applications under HMDA (LEI 549300TXW4YZE1CSWA75): 182 originated ($105,870,000 total), 3 denied, and 31 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Cape & Coast Bank
Former names
Cape Cod Co-operative Bank
Type
SI
FDIC certificate #
26517
RSSD ID
119779
Primary regulator
FDIC
Holding company
Coastal Affiliates Mhc
Established
January 1, 1921
Headquarters
121 Main St, Yarmouth Port, MA 02675
Employees
158

Quick answers

Cape & Coast Bank: common questions

Is Cape & Coast Bank FDIC insured?

Yes. Cape & Coast Bank is an FDIC-insured institution (FDIC certificate #26517). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Cape & Coast Bank's TellerScore?

53 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Cape & Coast Bank ever failed?

There is no failure record for FDIC certificate #26517 in the FDIC failed bank list.

How many branches does Cape & Coast Bank have?

11 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Yarmouth Port

InstitutionScoreAssetsCapitalProblem loansCompare
First Citizens' Federal Credit UnionCredit union Fairhaven, MA83 out of 100, Strong$705.9M20.2%0.77%vs
Rockland Trust CompanyBank Rockland, MA73 out of 100, Strong$25.0B11.8%0.56%vs
Leader Bank, National AssociationBank Arlington, MA71 out of 100, Strong$5.3B11.6%0.03%vs
Seamen's BankBank Provincetown, MA70 out of 100, Strong$478.5M12.6%0.76%vs
Martha's Vineyard BankBank Edgartown, MA69 out of 100, Moderate$1.3B11.8%0.09%vs
The Cape Cod Five Cents Savings BankBank Hyannis, MA68 out of 100, Moderate$5.6B11.1%0.47%vs