SEAMENS BANK

PROVINCETOWN, MA | Small | Est. April 14, 1851, midnight | FDIC #90268 | RSSD #418100 | FDIC
Latest Report: 2025-12-31

SEAMENS BANK is asn small FDIC-insured commercial bank headquartered in PROVINCETOWN, MA, established in April 14, 1851, midnight. As of 2025-12-31, the bank reported total assets of $468M and total deposits of $410M. Profitability stands at 0.73% ROA and 6.14% ROE, with a net interest margin of 4.13%. The bank's CET1 capital ratio is 12.36%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.38% and a Texas Ratio of 2.30%. FDIC Certificate #90268.

Assets

$468M

Deposits

$410M

Loans

$364M

Equity

$58M

Profitability

Return on Assets (ROA) 0.73%
Return on Equity (ROE) 6.14%
Net Interest Margin (NIM) 4.13%
Yield on Assets 5.61%
Cost of Funds 1.55%

Asset Quality

NPL Ratio 0.38%
Net Charge-Off Ratio 0.01%
Texas Ratio 2.30%
NPA Ratio 0.29%
ACL / Loans 0.58%

Capital & Liquidity

CET1 Ratio 12.36%
Tier 1 Capital 12.36%
Total Capital Ratio 12.98%
Leverage Ratio 11.89%
Loan-to-Deposit 88.95%

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