Headquartered in Provincetown, Massachusetts, Seamen's Bank is a si with $478.5M in total assets and $405.4M in deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1851.
Seamen's Bank has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than only 43% of its 2,650 banks with $100 million – $1 billion. Among 92 banks headquartered in Massachusetts, it ranks 25th. Problem-loan coverage contributes the most (91/100, 4.6%); earnings contributes the least (44/100, 0.60%).
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 (67 → 70), mostly because the earnings component improved by 9 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 68 |
| Q3 2024 | 70 |
| Q4 2024 | 66 |
| Q1 2025 | 69 |
| Q2 2025 | 67 |
| Q3 2025 | 70 |
| Q4 2025 | 71 |
| Q1 2026 | 74 |
| Q2 2026 | 70 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.29% |
| Q3 2024 | 11.69% |
| Q4 2024 | 11.54% |
| Q1 2025 | 11.85% |
| Q2 2025 | 12.11% |
| Q3 2025 | 11.64% |
| Q4 2025 | 11.89% |
| Q1 2026 | 12.42% |
| Q2 2026 | 12.57% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.82% |
| Q3 2024 | 0.56% |
| Q4 2024 | 0.87% |
| Q1 2025 | 0.64% |
| Q2 2025 | 0.71% |
| Q3 2025 | 0.40% |
| Q4 2025 | 0.38% |
| Q1 2026 | 0.34% |
| Q2 2026 | 0.76% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.42% |
| Q3 2024 | 0.50% |
| Q4 2024 | 0.51% |
| Q1 2025 | 0.53% |
| Q2 2025 | 0.36% |
| Q3 2025 | 0.45% |
| Q4 2025 | 0.52% |
| Q1 2026 | 0.73% |
| Q2 2026 | 0.60% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 70 | $478.5M | 12.57% | 0.76% | 0.60% | 89.6% |
| Q1 2026 | 74 | $469.3M | 12.42% | 0.34% | 0.73% | 88.3% |
| Q4 2025 | 71 | $467.8M | 11.89% | 0.38% | 0.52% | 88.4% |
| Q3 2025 | 70 | $491.4M | 11.64% | 0.40% | 0.45% | 83.1% |
| Q2 2025 | 67 | $468.0M | 12.11% | 0.71% | 0.36% | 86.0% |
| Q1 2025 | 69 | $472.6M | 11.85% | 0.64% | 0.53% | 81.7% |
| Q4 2024 | 66 | $467.9M | 11.54% | 0.87% | 0.51% | 81.6% |
| Q3 2024 | 70 | $480.0M | 11.69% | 0.56% | 0.50% | 77.9% |
| Q2 2024 | 68 | $440.2M | 12.29% | 0.82% | 0.42% | 84.9% |
2,650 peers · $100 million – $1 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 |
|---|---|---|---|---|---|
| Dean Co-operative BankBank Franklin, MA | 61 out of 100, Moderate | $494.3M | 8.3% | 0.13% | vs |
| The Pittsfield Co-operative BankBank Pittsfield, MA | 69 out of 100, Moderate | $451.5M | 13.4% | 0.36% | vs |
| North Brookfield Savings BankBank North Brookfield, MA | 71 out of 100, Strong | $448.7M | 10.9% | 0.29% | vs |
| The National Grand Bank of MarbleheadBank Marblehead, MA | 68 out of 100, Moderate | $444.8M | 10.3% | 0.05% | vs |
| Milford Federal BankBank Milford, MA | 67 out of 100, Moderate | $545.1M | 11.9% | 0.40% | vs |
| The Cooperative BankBank Roslindale, MA | 52 out of 100, Below average | $548.3M | 9.3% | 0.57% | vs |
Deposit insurance
Is my money safe at Seamen's Bank?
Yes. Seamen's Bank is an FDIC-insured institution (FDIC certificate #90268). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 16.9% of deposits ($68.7M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.57%, well 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%).
5 locations
Branches
Seamen's Bank lists 5 offices in 4 cities. Most locations:
- Provincetown, MA (2)
- North Eastham, MA (1)
- North Truro, MA (1)
- Wellfleet, MA (1)
Identity & history
Profile
- Legal name
- Seamen's Bank
- Former names
- Seamen's Savings Bank
- Type
- SI
- FDIC certificate #
- 90268
- RSSD ID
- 418100
- Primary regulator
- FDIC
- Established
- April 14, 1851
- Headquarters
- 221 Commercial St, Provincetown, MA 02657
- Website
- seamensbank.com
- Employees
- 72
Quick answers
Seamen's Bank: common questions
Is Seamen's Bank FDIC insured?
Yes. Seamen's Bank is an FDIC-insured institution (FDIC certificate #90268). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Seamen's Bank's TellerScore?
70 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Seamen's Bank ever failed?
There is no failure record for FDIC certificate #90268 in the FDIC failed bank list.
How many branches does Seamen's Bank have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Provincetown
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Citizens' Federal Credit UnionCredit union Fairhaven, MA | 83 out of 100, Strong | $705.9M | 20.2% | 0.77% | vs |
| Rockland Trust CompanyBank Rockland, MA | 73 out of 100, Strong | $25.0B | 11.8% | 0.56% | vs |
| The Cape Cod Five Cents Savings BankBank Hyannis, MA | 68 out of 100, Moderate | $5.6B | 11.1% | 0.47% | vs |
| Eastern BankBank Boston, MA | 66 out of 100, Moderate | $31.1B | 10.2% | 0.47% | vs |
| Santander Bank, N.A.Bank Wilmington, DE | 64 out of 100, Moderate | $104.0B | 12.5% | 1.84% | vs |
| TD Bank, National AssociationBank Wilmington, DE | 63 out of 100, Moderate | $342.8B | 10.3% | 1.11% | vs |