Cape & Coast Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Cape & Coast Bank of Yarmouth Port, MA against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.60% | 1.44% | -0.84% | 12th bottom |
| ROAE | 6.28% | 12.51% | -6.23% | 14th bottom |
| Net Interest Margin | 3.06% | 3.84% | -0.78% | 16th bottom |
| Efficiency Ratio | 74.69% | 58.85% | +15.84% | 13th bottom |
| PPNR / Avg Assets | 0.82% | 1.78% | -0.96% | 9th bottom |
| Yield on Earning Assets | 5.04% | 5.71% | -0.67% | 22nd bottom |
| Cost of Funds | 2.11% | 2.03% | +0.08% | 44th below |
| Net Interest Spread | 2.66% | 3.18% | -0.52% | 27th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.94% | 0.96% | -0.02% | 34th below |
| NPA / Total Assets | 0.82% | 0.75% | +0.07% | 30th below |
| NCO / Avg Loans | -0.00% | 0.31% | -0.31% | 84th top |
| ACL / Total Loans | 0.67% | 1.25% | -0.58% | 8th bottom |
| ACL / NPLs (Coverage) | 71.25% | 699.54% | -628.29% | 17th bottom |
| Texas Ratio | 8.05% | 7.16% | +0.89% | 30th below |
| Provision / NCO | 0.00% | 815.61% | -815.61% | 10th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.70% | 11.60% | -1.90% | 28th below |
| Equity / Assets | 9.58% | 11.33% | -1.75% | 34th below |
| TCE / Tangible Assets | 9.58% | 10.65% | -1.07% | 45th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 104.26% | 86.33% | +17.93% | 10th bottom |
| Core Deposit Ratio | 81.04% | 85.56% | -4.52% | 23rd bottom |
| Uninsured Deposit Ratio | 37.64% | 32.70% | +4.94% | 33rd below |
| Wholesale Funding Ratio | 6.15% | 5.45% | +0.70% | 33rd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.46% | 10.46% | -8.00% | 31st below |
| Loan Growth (Y/Y) | 2.00% | 8.00% | -6.00% | 28th below |
| Deposit Growth (Y/Y) | 2.12% | 7.99% | -5.87% | 31st below |
See Cape & Coast Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Cape & Coast Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Cape & Coast Bank profile, how to read a UBPR, or how this data updates.