Cape Cod Five Cents Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Cape Cod Five Cents Savings Bank is an FDIC-insured commercial bank headquartered in Hyannis, MA, established in 1855 (FDIC certificate 23287), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $5.62B, down 0.3% from Q2 2025, the 9th largest of 89 banks headquartered in Massachusetts. Its CET1 capital ratio was 18.18% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 23287
- Headquarters
- Hyannis, MA
- Established
- 1855
- Total assets, Q2 2026
- $5.62B
- Assets vs Q2 2025
- -0.3%
- CET1 ratio, Q2 2026
- 18.18%
- Domestic offices
- 23 FDIC institution directory, current count
- Routing number
- 211371078
- Holding company
- MUTUAL BANCORP
- Asset rank in state
- 9th of 89 in Massachusetts
Cape Cod Five Cents Savings Bank, based in Hyannis, Massachusetts, reported $5.6 billion in assets at June 30, 2026. It keeps 2.79 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 3.71 cents). On the other hand, it holds about a fifth of its deposits (16%) above the FDIC insurance limit, about half the median of 30.9% for banks its size.
Net income for the quarter rose 17% from a year earlier, to $11 million. Over the same year, loans shrank 5.1% and deposits grew 1.4%. Profitability lags: it returns 7.3% a year on shareholders' equity, lower than about three-quarters of banks its size (median 12.6%).
As of June 30, 2026, Cape Cod Five Cents Savings Bank reported a CET1 capital ratio of 18.18%, a return on assets of 0.79%, a nonperforming-loan ratio of 0.47% and a Texas ratio of 3.26%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Cape Cod Five Cents Savings Bank is the 9th largest of the 89 banks headquartered in Massachusetts. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.9% to $5.62B, loans fell 1.2% and deposits rose 3.8%. 1-4 family residential loans made up 77.0% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 7.3%. Its 23 offices in the FDIC Summary of Deposits are in 19 cities in MA; its Hyannis 3 offices book 10% of its branch deposits. On its Q2 2026 call report, Cape Cod Five Cents Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1500 Iyannough Rd, Hyannis, MA 02601
- County
- Barnstable
- Metro Area
- Barnstable Town, MA
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- March 16, 1855
- Former names
- The Cape Cod Five Cents Savings Bank (1981)
- Domestic offices
- 23 FDIC institution directory, current count
- Employees (FTE)
- 368
- Domestic deposits
- $4.56B
- Allowance for credit losses
- $21.2M
- Net charge-offs (YTD)
- $358K
- Average total assets
- $5.49B
- Average total loans
- $4.40B
- Average interest-bearing deposits
- $4.20B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 2, 1981
- FDIC Cert
- 23287
- Fed RSSD
- 664206
- SEC CIK
- 2142096 → filed by MUTUAL BANCORP
- Website
- www.capecodfive.com →
- Parent Holding Company
- MUTUAL BANCORP (RSSD 4369808)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Cape Cod Five Cents Savings Bank's total assets ranged from $5.46B (Q1 2026) to $5.75B (Q3 2024), 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
$5.62B total assets against $5.64B; $5.02B total liabilities against $5.08B.
$4.35B net loans and leases against $4.58B; $4.56B total deposits against $4.50B.
$680.5M securities against $618.0M; $215.6M cash and balances due against $89.9M.
$59.9M total interest income against $62.7M; $23.7M total interest expense against $27.8M.
$36.3M net interest income against $35.0M.
$9.7M total noninterest income against $8.3M; $32.7M total noninterest expense against $31.4M.
-$859K provision for credit losses against $0.
$10.8M net income against $9.2M.
0.79% return on assets against 0.66%; 2.79% net interest margin against 2.64%.
18.18% CET1 capital ratio against 16.64%; 11.11% tier 1 leverage ratio against 10.27%.
Inside the full Cape Cod Five Cents Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCape Cod Five Cents Savings Bank rankings
Its closest position to the top of a national ranking is 255 of 4,196, for total assets; its furthest is 876 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.58% (Q4 2024) to 0.82% (Q3 2025) and its net interest margin ran from 2.36% (Q4 2024) to 2.85% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.18% | 0.79% | 0.47% | 3.26% | 2.79% |
| Q1 2026 | 18.09% | 0.71% | 0.44% | 3.21% | 2.73% |
| Q4 2025 | 17.55% | 0.71% | 0.40% | 3.01% | 2.85% |
| Q3 2025 | 17.04% | 0.82% | 0.37% | 2.83% | 2.79% |
| Q2 2025 | 16.64% | 0.66% | 0.37% | 2.97% | 2.64% |
| Q1 2025 | 16.55% | 0.63% | 0.31% | 2.45% | 2.51% |
| Q4 2024 | 15.97% | 0.58% | 0.29% | 2.44% | 2.36% |
| Q3 2024 | 15.45% | 0.58% | 0.31% | 2.68% | 2.40% |
Swipe the table sideways to see every column.
Branch Network
View all 23 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 |
|---|---|---|---|
| Orleans Branch | Orleans , MA | 02653 | $380.3M |
| Yarmouth Branch | South Yarmouth , MA | 02664 | $368.8M |
| Hyannis Branch | Hyannis , MA | 02601 | $361.9M |
| Nantucket Branch | Nantucket , MA | 02554 | $331.7M |
| Falmouth Branch | Falmouth , MA | 02540 | $320.9M |
| Chatham Branch | Chatham , MA | 02633 | $316.5M |
| Harwich Port Branch | Harwich Port , MA | 02646 | $249.7M |
| Mashpee Branch | Mashpee , MA | 02649 | $249.1M |
| South Dennis Branch | South Dennis , MA | 02660 | $246.9M |
| Centerville Branch | Centerville , MA | 02632 | $244.8M |
| Sandwich Branch | Sandwich , MA | 02563 | $238.2M |
| East Harwich Branch | East Harwich , MA | 02645 | $230.5M |
| Brewster Branch | Brewster , MA | 02631 | $197.7M |
| Wellfleet Branch | Wellfleet , MA | 02667 | $129.3M |
| North Eastham Branch | North Eastham , MA | 02651 | $120.0M |
| Wareham Branch | Wareham , MA | 02571 | $119.9M |
| Hyannis Branch Office | Hyannis , MA | 02601 | $101.4M |
| Martha's Vineyard Branch | Vineyard Haven , MA | 02568 | $90.2M |
| Main Street Nantucket Branch | Nantucket , MA | 02554 | $86.5M |
| Pinehills Plymouth Branch | Plymouth , MA | 02360 | $77.9M |
| Provincetown Branch Office | Provincetown , MA | 02657 | $57.5M |
| Plymouth Branch Office | Plymouth , MA | 02360 | $44.1M |
| The Cape Cod Five Cents Savings Bank | Hyannis , MA | 02601 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 1, 1972 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.7% of deposits in MA, rank 15 of 112 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 33 loans, $2.4M approved, $73K 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, Mortgage lending (HMDA), 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 Cod Five Cents Savings Bank
What are Cape Cod Five Cents Savings Bank's total assets?
As of the Q2 2026 filing, Cape Cod Five Cents Savings Bank reported total assets of $5.62 billion in its FFIEC call report.
Where is Cape Cod Five Cents Savings Bank headquartered?
It is headquartered in Hyannis, MA, United States.
When was Cape Cod Five Cents Savings Bank founded?
It was established in 1855, per the FDIC institution directory.
Is Cape Cod Five Cents Savings Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #23287). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Cape Cod Five Cents Savings Bank?
Cape Cod Five Cents Savings Bank's primary federal regulator is the Federal Reserve.
What is Cape Cod Five Cents Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 18.18% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Cape Cod Five Cents Savings Bank operate?
It operates 23 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Cape Cod Five Cents Savings Bank's Texas Ratio?
Its Texas Ratio is 3.26% 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.
What was Cape Cod Five Cents Savings Bank previously called?
The charter now named Cape Cod Five Cents Savings Bank has also operated as The Cape Cod Five Cents Savings Bank (1981), per FDIC structure-change records.
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