Cape Ann Savings Bank is a si headquartered in Gloucester, Massachusetts, in business for about 180 years. At the end of Q2 2026 it reported $1.1B in total assets and $804.8M in deposits, with 4 offices.
Based on its Q2 2026 filing, Cape Ann Savings Bank scores 86/100, which we describe as very strong. That is higher than 97% of 897 banks with $1 billion – $10 billion. Among 92 banks headquartered in Massachusetts, it ranks 3rd. Its strongest component is capital cushion (100/100; 20.48%), and its lowest is funding & liquidity (60/100; 91% loans-to-deposits, 23% uninsured).
TellerScore · Q2 2026
Scorecard
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 3 points (83 → 86), mostly because the earnings component improved by 24 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 80 |
| Q3 2024 | 82 |
| Q4 2024 | 79 |
| Q1 2025 | 80 |
| Q2 2025 | 83 |
| Q3 2025 | 85 |
| Q4 2025 | 82 |
| Q1 2026 | 84 |
| Q2 2026 | 86 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 20.17% |
| Q3 2024 | 20.26% |
| Q4 2024 | 19.75% |
| Q1 2025 | 20.33% |
| Q2 2025 | 20.62% |
| Q3 2025 | 20.36% |
| Q4 2025 | 20.46% |
| Q1 2026 | 20.32% |
| Q2 2026 | 20.48% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.44% |
| Q3 2024 | 0.56% |
| Q4 2024 | 0.47% |
| Q1 2025 | 0.52% |
| Q2 2025 | 0.45% |
| Q3 2025 | 0.42% |
| Q4 2025 | 0.54% |
| Q1 2026 | 0.44% |
| Q2 2026 | 0.59% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.74% |
| Q3 2024 | 1.16% |
| Q4 2024 | 0.68% |
| Q1 2025 | 0.92% |
| Q2 2025 | 1.11% |
| Q3 2025 | 1.36% |
| Q4 2025 | 1.09% |
| Q1 2026 | 1.22% |
| Q2 2026 | 1.72% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 86 | $1.1B | 20.48% | 0.59% | 1.72% | 90.7% |
| Q1 2026 | 84 | $1.1B | 20.32% | 0.44% | 1.22% | 90.5% |
| Q4 2025 | 82 | $1.0B | 20.46% | 0.54% | 1.09% | 92.0% |
| Q3 2025 | 85 | $1.0B | 20.36% | 0.42% | 1.36% | 92.1% |
| Q2 2025 | 83 | $997.5M | 20.62% | 0.45% | 1.11% | 94.3% |
| Q1 2025 | 80 | $979.4M | 20.33% | 0.52% | 0.92% | 95.8% |
| Q4 2024 | 79 | $992.4M | 19.75% | 0.47% | 0.68% | 90.8% |
| Q3 2024 | 82 | $1.0B | 20.26% | 0.56% | 1.16% | 89.1% |
| Q2 2024 | 80 | $971.8M | 20.17% | 0.44% | 0.74% | 91.0% |
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).
Similar-size banks in Massachusetts
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| MountainOne BankBank North Adams, MA | 73 out of 100, Strong | $1.1B | 14.7% | 1.06% | vs |
| Winchester Savings BankBank Winchester, MA | 59 out of 100, Moderate | $1.1B | 9.6% | 0.18% | vs |
| OneLocal BankBank Norwood, MA | 75 out of 100, Strong | $1.1B | 13.7% | 0.21% | vs |
| Pentucket BankBank Haverhill, MA | 63 out of 100, Moderate | $1.1B | 11.7% | 0.79% | vs |
| Adams Community BankBank Adams, MA | 59 out of 100, Moderate | $1.0B | 10.3% | 0.40% | vs |
| Reading Co-operative BankBank Reading, MA | 56 out of 100, Moderate | $1.2B | 7.3% | 0.06% | vs |
Deposit insurance
Is my money safe at Cape Ann Savings Bank?
Yes. Cape Ann Savings Bank is an FDIC-insured institution (FDIC certificate #90203). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 23.4% of deposits ($188.4M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 20.48%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 28.20% (benchmark: 10%).
4 locations
Branches
Cape Ann Savings Bank lists 4 offices in 3 cities. Most locations:
- Gloucester, MA (2)
- Manchester, MA (1)
- Rockport, MA (1)
Identity & history
Profile
- Legal name
- Cape Ann Savings Bank
- Type
- SI
- FDIC certificate #
- 90203
- RSSD ID
- 627108
- Primary regulator
- FDIC
- Established
- April 15, 1846
- Headquarters
- 109 Main St, Gloucester, MA 01930
- Website
- capeannsavings.bank
- Employees
- 80
Quick answers
Cape Ann Savings Bank: common questions
Is Cape Ann Savings Bank FDIC insured?
Yes. Cape Ann Savings Bank is an FDIC-insured institution (FDIC certificate #90203). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Cape Ann Savings Bank's TellerScore?
86 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Cape Ann Savings Bank ever failed?
There is no failure record for FDIC certificate #90203 in the FDIC failed bank list.
How many branches does Cape Ann Savings Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Gloucester
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Alpha Credit UnionCredit union Boston, MA | 97 out of 100, Very strong | $35.1M | 18.8% | 0.14% | vs |
| Danvers Municipal Federal Credit UnionCredit union Danvers, MA | 91 out of 100, Very strong | $8.2M | 39.0% | 0.00% | vs |
| NorthEast Community BankBank White Plains, NY | 90 out of 100, Very strong | $2.1B | 17.3% | 0.00% | vs |
| Malden Federal Credit UnionCredit union Malden, MA | 90 out of 100, Very strong | $29.4M | 17.1% | 0.03% | vs |
| Lynn Firemens Federal Credit UnionCredit union Lynn, MA | 89 out of 100, Very strong | $20.1M | 19.6% | 0.38% | vs |
| Brookline Municipal Credit UnionCredit union Brookline, MA | 88 out of 100, Very strong | $51.0M | 13.4% | 0.03% | vs |