Cape & Coast Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 6.50 percentage points higher than in Q1 2026, at 71.25%. Cape & Coast Bank ranks 50th of 89 Massachusetts banks on return on assets, in the lower half at 0.60% (Q2 2026). Against a median of 1.28% for banks in the $1B-10B asset tier, Cape & Coast Bank reported 0.60% on return on assets in Q2 2026, 0.67 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.70% |
| Equity capital to assets | 9.58% |
| Tangible equity to tangible assets | 9.58% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.94% |
| Non-performing assets ratio | 0.82% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 8.05% |
| Allowance for credit losses to loans | 0.67% |
| Reserve coverage of non-performing loans | 71.25% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.60% |
| Return on equity | 6.28% |
| Net interest margin | 3.06% |
| Efficiency ratio | 74.69% |
| Yield on earning assets | 5.04% |
| Cost of funds | 2.11% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 104.26% |
| Core deposits to total deposits | 81.04% |
| Brokered deposits to total deposits | 4.55% |
| Deposits to assets | 83.40% |
| Securities to assets | 6.55% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.79% | 0.31% | 2.43% | 0.36% | 0.00% |
| Q4 2023 | 9.79% | 0.21% | 2.20% | 0.20% | 0.00% |
| Q1 2024 | 9.54% | 0.19% | 2.05% | 0.13% | 0.01% |
| Q2 2024 | 9.29% | 0.16% | 2.20% | 0.08% | 0.00% |
| Q3 2024 | 9.43% | 0.34% | 2.31% | 0.06% | 0.01% |
| Q4 2024 | 9.38% | 0.26% | 2.36% | 0.06% | -0.00% |
| Q1 2025 | 9.35% | 0.23% | 2.57% | 0.02% | 0.02% |
| Q2 2025 | 9.39% | 0.21% | 2.63% | 1.17% | 0.01% |
| Q3 2025 | 9.46% | 0.88% | 2.97% | 0.97% | -0.00% |
| Q4 2025 | 9.53% | 0.56% | 2.95% | 1.07% | 0.01% |
| Q1 2026 | 9.57% | 0.45% | 2.88% | 1.03% | 0.01% |
| Q2 2026 | 9.70% | 0.60% | 3.06% | 0.94% | -0.00% |
Cape & Coast Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Cape & Coast Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Cape & Coast Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26517) · FFIEC NIC profile (RSSD 119779)