Cape & Coast Bank
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Data as of · sourced from FFIEC call reports. How we update
Cape & Coast Bank is an FDIC-insured savings bank headquartered in Yarmouth Port, MA, established in 1921 (FDIC certificate 26517), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.68B, up 2.5% from Q2 2025, the 30th largest of 89 banks headquartered in Massachusetts. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.70% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 26517
- Headquarters
- Yarmouth Port, MA
- Established
- 1921
- Total assets, Q2 2026
- $1.68B
- Assets vs Q2 2025
- +2.5%
- Tier 1 leverage ratio, Q2 2026
- 9.70%
- Domestic offices
- 11 FDIC institution directory, current count
- Routing number
- 211371641
- Latest call report
- Q2 2026, FFIEC 041 · Cape & Coast Bank call report
- Holding company
- COASTAL AFFILIATES, MHC
- Asset rank in state
- 30th of 89 in Massachusetts
Cape & Coast Bank spends more to run itself than most banks of its size. The Yarmouth Port, Massachusetts bank had $1.7 billion in assets at June 30, 2026, up 2.5% from a year earlier. It earns about $0.60 a year on every $100 of assets, about half the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also spends about 75 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 58 cents).
Earnings jumped: net income for the quarter was $2.5 million, 189% above the same quarter a year earlier. Delinquency has appeared in its $282 million non-owner-occupied commercial real estate book: 4.34% of those loans are past due or on nonaccrual, against almost none a year earlier. Its margin is thin by comparison: it keeps 3.06 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.71 cents).
As of June 30, 2026, Cape & Coast Bank reported a return on assets of 0.60%, a nonperforming-loan ratio of 0.94% and a Texas ratio of 8.05%. The figures come from its call report filed with the FFIEC.
Of the 89 banks headquartered in Massachusetts, Cape & Coast Bank is the 30th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.2% to $1.68B, loans fell 0.2% and deposits rose 0.1%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 61.1% of total loans, ahead of non-owner-occupied commercial real estate loans at 19.3%. Its 11 offices in the FDIC Summary of Deposits are in 9 cities in MA; its Hyannis office books 27% of its branch deposits. Judged on its Q2 2026 call report, Cape & Coast Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 121 Main St, Yarmouth Port, MA 02675
- County
- Barnstable
- Metro Area
- Barnstable Town, MA
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1921
- Domestic offices
- 11 FDIC institution directory, current count
- Employees (FTE)
- 158
- Domestic deposits
- $1.40B
- Allowance for credit losses
- $9.8M
- Net charge-offs (YTD)
- $35K
- Average total assets
- $1.66B
- Average total loans
- $1.46B
- Average interest-bearing deposits
- $1.21B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 22, 1986
- FDIC Cert
- 26517
- Fed RSSD
- 119779
- SEC CIK
- 1902278 → filed by COASTAL AFFILIATES, MHC
- Website
- www.capeandcoastbank.com →
- Parent Holding Company
- COASTAL AFFILIATES, MHC (RSSD 3444801)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Cape & Coast Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Cape & Coast Bank's total assets ran between $1.52B (Q3 2023) and $1.68B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.68B total assets against $1.64B; $1.52B total liabilities against $1.48B.
$1.45B net loans and leases against $1.42B; $1.40B total deposits against $1.37B.
$109.8M securities against $117.2M; $36.5M cash and balances due against $19.1M.
$20.0M total interest income against $18.7M; $7.9M total interest expense against $8.5M.
$12.2M net interest income against $10.2M.
$1.2M total noninterest income against $1.1M; $10.0M total noninterest expense against $10.1M.
$0 provision for credit losses against $0.
$2.5M net income against $865K.
0.60% return on assets against 0.21%; 3.06% net interest margin against 2.63%.
9.70% tier 1 leverage ratio against 9.39%.
Inside the full Cape & Coast Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Cape & Coast Bank rankings
Its closest position to the top of a national ranking is 666 of 4,196, for total assets; its furthest is 3,129 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.21% (Q2 2025) to 0.88% (Q3 2025) and its net interest margin ran from 2.31% (Q3 2024) to 3.06% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.70% | 0.60% | 0.94% | 8.05% | 3.06% |
| Q1 2026 | 9.57% | 0.45% | 1.03% | 8.98% | 2.88% |
| Q4 2025 | 9.53% | 0.56% | 1.07% | 9.28% | 2.95% |
| Q3 2025 | 9.46% | 0.88% | 0.97% | 8.43% | 2.97% |
| Q2 2025 | 9.39% | 0.21% | 1.17% | 10.34% | 2.63% |
| Q1 2025 | 9.35% | 0.23% | 0.02% | 0.15% | 2.57% |
| Q4 2024 | 9.38% | 0.26% | 0.06% | 0.56% | 2.36% |
| Q3 2024 | 9.43% | 0.34% | 0.06% | 0.51% | 2.31% |
Swipe the table sideways to see every column.
Branch Network
View all 11 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Hyannis Branch | Hyannis , MA | 02601 | $383.2M |
| Cape & Coast Bank (main office) | Yarmouth Port , MA | 02675 | $299.6M |
| East Dennis Branch | East Dennis , MA | 02641 | $191.9M |
| Sandwich Branch | Sandwich , MA | 02563 | $132.8M |
| Orleans Road Branch | East Harwich , MA | 02645 | $127.3M |
| West Barnstable Branch | West Barnstable , MA | 02668 | $86.2M |
| Marstons Mills Branch | Marstons Mills , MA | 02648 | $70.8M |
| Falmouth Main Branch | Falmouth , MA | 02540 | $59.4M |
| North Falmouth Branch | North Falmouth , MA | 02556 | $39.5M |
| King's Way Branch | Yarmouth Port , MA | 02675 | $7.0M |
| Heatherwood at King's Way Branch | Yarmouth Port , MA | 02675 | $55K |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in MA, rank 37 of 112 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 237 applications, 182 loans originated, $105.9M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $1.0M approved, $349K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Cape & Coast Bank
What are Cape & Coast Bank's total assets?
As of the Q2 2026 filing, Cape & Coast Bank reported total assets of $1.68 billion in its FFIEC call report.
Where is Cape & Coast Bank headquartered?
It is headquartered in Yarmouth Port, MA, United States.
When was Cape & Coast Bank founded?
It was established in 1921, per the FDIC institution directory.
Is Cape & Coast Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #26517). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Cape & Coast Bank?
Cape & Coast Bank's primary federal regulator is the FDIC.
How many branches does Cape & Coast Bank operate?
It operates 11 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Cape & Coast Bank's Texas Ratio?
Its Texas Ratio is 8.05% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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