Bank call report · Hyannis, MA
Cape Cod Five Cents Savings Bank Call Report
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Cape Cod Five Cents Savings Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 041. Below are its 497 reported line items, schedule by schedule (929 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 041 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 664206 |
| FDIC certificate number | 23287 |
| Total assets | $5.62B |
Official Q2 2026 call report PDF (FFIEC) →
Cape Cod Five Cents Savings Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 041.
Schedule RC: Balance Sheet (25 items)
About Schedule RC · Cape Cod Five Cents Savings Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $5.62B |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $5.62B |
| Total Liabilities and Minority Interest | RCON2948 | $5.02B |
| Total Deposits | RCON2200 | $4.56B |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $4.33B |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $4.31B |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $4.25B |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $641.2M |
| Undivided Profits and Capital Reserves | RCON3632 | $609.5M |
| Total Equity Capital | RCON3210 | $595.9M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $595.9M |
| Other Borrowed Money | RCON3190 | $427.7M |
| Deposits: Noninterest-bearing | RCON6631 | $313.1M |
| Other Assets | RCON2160 | $257.7M |
| Interest-bearing Balances | RCON0071 | $176.9M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $109.1M |
| Held to maturity securities (ASU 2016-13 adoption) | RCONJJ34 | $39.3M |
| Held-to-maturity Securities, Total | RCON1754 | $39.3M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $38.7M |
| Loans and Leases Held for Sale | RCON5369 | $34.0M |
| Other Liabilities, Total | RCON2930 | $32.0M |
| Allowance for Loan and Lease Losses | RCON3123 | $21.2M |
| Accumulated Other Comprehensive Income | RCONB530 | -$13.6M |
| Intangible Assets | RCON2143 | $9.1M |
| Common Stock | RCON3230 | $1K |
Schedule RI: Income Statement (47 items)
About Schedule RI · Cape Cod Five Cents Savings Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $119.5M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $103.4M |
| Net Interest Income | RIAD4074 | $71.8M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $69.1M |
| Total Noninterest Expense | RIAD4093 | $65.1M |
| Total Interest Expense | RIAD4073 | $47.7M |
| Salaries and Employee Benefits | RIAD4135 | $42.1M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $27.2M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $26.7M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $26.7M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $20.5M |
| Net Income (Loss) | RIAD4340 | $20.5M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $20.5M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $19.9M |
| Total Noninterest Income | RIAD4079 | $18.9M |
| Other Noninterest Expense | RIAD4092 | $17.0M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $11.4M |
| Interest on Trading Liabilities and Other Borrowed Money | RIAD4185 | $8.2M |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $7.9M |
| Other Noninterest Income | RIADB497 | $7.0M |
| Applicable Income Taxes | RIAD4302 | $6.2M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $6.1M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $5.1M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $3.6M |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $3.1M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $3.0M |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $2.9M |
| Other Interest Income | RIAD4518 | $2.8M |
| Interest on Other Securities | RIAD4060 | $2.5M |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $2.1M |
| Provision for Loan and Lease Losses | RIAD4230 | -$1.2M |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | -$1.2M |
| Income from the Sale and Servicing of Mutual Funds and Annuities (in Domestic Offices) | RIAD8431 | $901K |
| Net Servicing Fees | RIADB492 | $900K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $747K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $718K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $559K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $419K |
| Fees and Commissions from Securities Brokerage | RIADC886 | $380K |
| Service Charges on Deposits in Domestic Office Maintenance for Individuals | RIADH033 | $366K |
| Investment Banking, Advisory, and Underwriting Fees and Commissions | RIADC888 | $265K |
| Fees and Commissions from Annuity Sales | RIADC887 | $256K |
| Service Charges on Deposits in Domestic Office All Other | RIADH035 | $250K |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $240K |
| Service Charges on Deposits in Domestic Office Atm-related for Individuals | RIADH034 | $101K |
| Service Charges on Deposits in Domestic Office Overdraft Related for Individuals | RIADH032 | $1K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 368 |
Schedule RC-A: Cash and Balances Due from Depository Institutions (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Cash and Balances Due from Depository Institutions | RCON0010 | $215.6M |
| Balances Due from Federal Reserve Banks | RCON0090 | $173.9M |
| Cash Items in Process of Collection and Unposted Debits | RCON0020 | $26.9M |
| Currency and Coin | RCON0080 | $8.8M |
| Balances Due from Depository Institutions in the U.S. | RCON0082 | $6.1M |
Schedule RC-B: Securities (48 items)
About Schedule RC-B · Cape Cod Five Cents Savings Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Amortized Cost | RCONG302 | $11.7M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Fair Value | RCONG303 | $11.8M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Amortized Cost | RCONG306 | $100.8M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Fair Value | RCONG307 | $95.1M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $174.5M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $172.4M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): All Other Residential MBS - Available-for-sale Amortized Cost | RCONG322 | $44.9M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): All Other Residential MBS - Available-for-sale Fair Value | RCONG323 | $44.7M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $662.3M |
| Pledged Securities | RCON0416 | $625.1M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $178.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $115.2M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $86.0M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $83.4M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $79.3M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK144 | $66.0M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $65.6M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK145 | $65.3M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $64.0M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $62.6M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $41.0M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $40.8M |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Amortized Cost | RCONHT60 | $40.6M |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Fair Value | RCONHT61 | $40.5M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK152 | $40.1M |
| Total Fair Value of Held-to-maturity Securities | RCON1771 | $37.5M |
| Asset-backed Securities: Available-for-sale Amortized Cost | RCONC989 | $36.0M |
| Total (Asset-backed Securities) Fair Value - Available-for-sale | RCONC027 | $35.8M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK153 | $34.7M |
| Amortized Cost of Other Held-to-maturity Domestic Debt Securities | RCON1737 | $32.8M |
| Fair Value of Other Held-to-maturity Domestic Debt Securities | RCON1738 | $31.8M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $31.5M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $27.7M |
| Structured financial products guaranteed by U.S. Government agencies or sponsored agencies included in Schedule HC-B, item 5.b -- Available-for-sale: Amortized Cost | RCONPV00 | $26.1M |
| Guaranteed by U.S. Government Agencies or Sponsored Agencies Included in Schedule Rc-b, Item 5.B - Available-for-sale, Fair Value | RCONPV01 | $26.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $21.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $13.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $12.2M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONA555 | $11.8M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $11.2M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :All Other Commercial MBS: Available-for-sale Amortized Cost | RCONK156 | $9.7M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :All Other Commercial MBS: Available-for-sale Fair Value | RCONK157 | $9.6M |
| Amortized Cost of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8496 | $6.5M |
| Fair Value of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8497 | $5.7M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $3.4M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $1.8M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA557 | $747K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $438K |
Schedule RC-C, Part I: Loans and Leases (36 items)
About Schedule RC-C, Part I · Cape Cod Five Cents Savings Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $4.37B |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $3.01B |
| Pledged Loans and Leases | RCONG378 | $2.82B |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $2.38B |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $425.4M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $359.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $351.3M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $327.3M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $318.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $313.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $294.5M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $272.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $150.0M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $133.4M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $116.0M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $114.3M |
| Commercial and Industrial Loans | RCON1766 | $113.5M |
| Commercial and Industrial Loans to U.S. Addressees | RCON1763 | $113.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $73.3M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $72.3M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $71.6M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $71.1M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $30.6M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $28.0M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $24.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $23.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $19.7M |
| Revolving, open-end lines of credit secured by 1-4 family residential properties that have converted to non-revolving closed-end status that are included in item 1.c(1) above | RCONLE75 | $7.8M |
| Loans to Nondepository Financial Institutions and Other Loans: Other Loans: All Other Loans (Exclude Consumer Loans) | RCONJ451 | $7.1M |
| Other Loans | RCONJ464 | $7.1M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $6.2M |
| Unearned Income on Loans | RCON2123 | $4.4M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $2.0M |
| Loans to Finance Commercial Real Estate, Construction, and Land Development Activities Included in Items 1766, 1563 for (Fr Y-9C), in Items 1766, 1563 for (FFIEC 031), in Items 1766, 1564 for (FFIEC 032 and 033), and in Items 1766, 2080 for (FFIEC 034) | RCON2746 | $725K |
| Real Estate Loans Secured by Farmland | RCON1420 | $347K |
| Loans Secured by 1-4 Family Residential Properties in Domestic Offices in Process of Foreclosure (Included in Rc-c, Part I, Items 1.C.(1), 1.C.(2)(A), and 1.C.(2)(B) | RCONF577 | $227K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (22 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $200.9M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $36.6M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $26.3M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $19.6M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $17.1M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $2.0M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5587 | $1.8M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $914K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5589 | $248K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $186K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $160K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 604 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 531 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 194 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 175 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 124 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 46 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 16 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 16 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 2 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5588 | 2 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 1 |
Schedule RC-E: Deposit Liabilities (37 items)
About Schedule RC-E · Cape Cod Five Cents Savings Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $3.85B |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $3.69B |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $1.70B |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Deposits in All Other Mmdas of Individuals, Partnerships and Corporations | RCONP757 | $1.35B |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $1.19B |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Total Deposits in Those Other Savings Deposit Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP758 | $1.09B |
| Total Transaction Accounts | RCON2215 | $708.8M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $638.5M |
| Total reciprocal deposits | RCONJH83 | $621.3M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $611.6M |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $378.1M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $378.1M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $371.8M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $350.0M |
| Total Demand Deposits (See Note Below) | RCON2210 | $339.6M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $338.9M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $333.7M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $275.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $239.8M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $228.8M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Total Deposits in Those MMDA Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP756 | $185.3M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $157.9M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $113.3M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $104.9M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Deposits in All Other Other Savings Deposits Accounts of Individuals, Partnerships and Corporations | RCONP759 | $104.2M |
| Components of Total Transaction Account Deposits of Individuals, Partnerships, and Coporations: Total Deposits in Those Noninterest-bearing Transaction Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP753 | $77.0M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $60.9M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $55.1M |
| Components of Total Transaction Account Deposits of Individuals, Partnerships, and Coporations: Total Deposits in Those Interest-bearing Transaction Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP754 | $44.0M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $10.7M |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $9.4M |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $7.0M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $4.8M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $3.0M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK15 | $469K |
| Total Nontransaction Accounts - Deposits of Foreign Governments and Official Institutions | RCON2377 | $248K |
| Total Transaction Accounts - Deposits of U.S. Government | RCON2202 | $8K |
Schedule RC-F: Other Assets (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: Separate Account Life Insurance Assets | RCONK202 | $93.7M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $76.3M |
| Other Assets | RCON2168 | $44.8M |
| Net Deferred Tax Assets | RCON2148 | $24.5M |
| Accrued Interest Receivable | RCONB556 | $18.4M |
| Derivatives with a Position Fair Value Held for Purposes Other Than Trading | RCONC010 | $16.5M |
Schedule RC-G: Other Liabilities (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $18.0M |
| Other Expenses Accrued and Unpaid | RCON3646 | $11.8M |
| Operating lease liabilities | RCONLB56 | $7.6M |
| Second Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) | RCON3553 | $6.5M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $1.6M |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $516K |
Schedule RC-K: Quarterly Averages (16 items)
About Schedule RC-K · Cape Cod Five Cents Savings Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $5.49B |
| Quarterly Average of Total Loans | RCON3360 | $4.40B |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $3.26B |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $2.88B |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $929.0M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $657.9M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $432.9M |
| Mortgage-backed Securities | RCONB559 | $407.9M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $338.5M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $320.4M |
| All Other Securities | RCONB560 | $148.5M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $124.0M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $108.2M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $75.7M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $65.8M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $6.6M |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (16 items)
About Schedule RC-L · Cape Cod Five Cents Savings Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Purposes Other Than Trading: Contracts Marked to Market | RCON8725 | $1.91B |
| Interest Rate Contracts - Notional Value of All Outstanding Interest Rate Swaps | RCON3450 | $1.52B |
| Interest Rate Swaps Where the Bank Has Agreed to Pay a Fixed Rate | RCONA589 | $1.51B |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $440.1M |
| Purchased OTC Interest Rate Option Contracts | RCON8713 | $300.0M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $153.5M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $64.8M |
| All Other Off-balance Sheet Liabilities | RCON3430 | $61.2M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $47.4M |
| Interest Rate Forward Contracts | RCON8697 | $45.6M |
| Written OTC Interest Rate Option Contracts | RCON8709 | $45.3M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $34.9M |
| Commercial and Similar Letters of Credit | RCON3411 | $18.1M |
| Gross Positive Fair Value of Interest Rate Derivative Contracts Held for Purposes Other Than Trading That Are Marked to Market | RCON8741 | $16.5M |
| Gross Negative Fair Value of Interest Rate Derivative Contracts Held for Purposes Other Than Trading That Are Marked to Market | RCON8745 | $595K |
| Commercial Real Estate, Construction, and Land Development: Commitments to Fund Loans Not Secured by Real Estate | RCON6550 | $475K |
Schedule RC-M: Memoranda (9 items)
About Schedule RC-M · Cape Cod Five Cents Savings Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $425.1M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $425.1M |
| Estimated Fair Value of Mortgage Servicing Assets | RCONA590 | $25.3M |
| Mortgage Servicing Assets | RCON3164 | $9.1M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over Five Years | RCONF058 | $2.6M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $624K |
| Outstanding balance of PPP loans | RCONLG27 | $4K |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 1 |
| Number of outstanding PPP Loans | RCONLG26 | 1 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (22 items)
About Schedule RC-N · Cape Cod Five Cents Savings Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $20.4M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $18.2M |
| Additions to Nonaccrual Assets | RCONC410 | $5.9M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $4.4M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $3.1M |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Nonaccrual | RCON5400 | $993K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing | RCON5398 | $855K |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Nonaccrual | RCONHK28 | $681K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Secured by 1-4 Residential Properties (in Domestic Offices) - Nonaccrual | RCONF663 | $376K |
| Loans Secured by Other Nonfarm Nonresidential Properties, Nonaccrual | RCONF183 | $361K |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $358K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $319K |
| Other Construction Loans and All Land Development and Other Land Loans, Nonaccrual | RCONF177 | $314K |
| Loans and Leases Reported in the Past Due and Nonaccrual Loans, Leases and Other Assets Which Are Wholly or Partially Guaranteed by the U.S. Government , Excluding Loans and Leases Covered by Loss-sharing Agreements with the FDIC - Nonaccrual | RCONK038 | $268K |
| Guaranteed Portion of Loans and Leases Included in Item 10, Excluding Rebooked 'Gnma Loans' : Nonaccrual | RCONK041 | $223K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty : Commercial and Industrial Loans - to US Addressees - Nonaccrual | RCONK122 | $223K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty: Commercial and Industrial Loans - Nonaccrual | RCONK259 | $223K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC238 | $153K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $110K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Loans Secured by Owner Occupied Nonfarm Nonresidential Properties: Nonaccrual | RCONK116 | $82K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $41K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $4K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (14 items)
About Schedule RC-O · Cape Cod Five Cents Savings Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $5.49B |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $4.57B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $2.24B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $2.09B |
| Estimated Amount of Uninsured Assessable Deposits in Domestic Offices of the Bank and in Insured Branches in Puerto Rico and U.S. Territories and Possessions, Including Related Interest Accrued and Unpaid | RCON5597 | $746.7M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $605.5M |
| Total Allowable Exclusions, Including Interest Accrued and Unpaid on Allowable Exclusions (Including Foreign Deposits) | RCONF237 | $115.7M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $91.0M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $22.4M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 130,737 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 2,935 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 2,805 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 54 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-P: 1-4 Family Residential Mortgage Banking Activities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Principal Amount of 1-4 Family Residential Mortgage Loans Sold During the Quarter | RCONFT04 | $130.8M |
| Retail originations during the quarter of 1-4 family residential mortgage loans for sale | RCONHT81 | $115.6M |
| Quarter End Amount of 1-4 Family Residential Mortgage Loans Held for Sale or Trading | RCONFT05 | $35.2M |
| Noninterest income for the quarter from the sale, securitization, and servicing of 1-4 family residential mortgage loans | RIADHT85 | $1.8M |
| Repurchases and indemnification of 1-4 family residential mortgage laons during the quarter | RCONHT86 | $724K |
Schedule RC-Q: Assets and Liabilities Measured at Fair Value on a Recurring Basis (16 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets Measured at Fair Value on a Recurring Basis - Total Fair Value Reported on Schedule Rc | RCONG502 | $657.7M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes | RCONJA36 | $641.2M |
| Total Assets Measured at Fair Value on a Recurring Basis - Level 2 Fair Value Measurements | RCONG505 | $595.1M |
| Available-for-sale Securities - Level 2 Fair Value Measurements | RCONG476 | $578.6M |
| Available-for-sale Securities - Level 1 Fair Value Measurements | RCONG475 | $62.6M |
| Total Assets Measured at Fair Value on a Recurring Basis - Level 1 Fair Value Measurements | RCONG504 | $62.6M |
| All Other Assets (Itemize and Describe Amounts Included in Schedule Rc-q, Item 6, That Are Greater Than $100,000 and Exceed 25% of Item 6): Nontrading Derivative Assets - Level 2 Fair Value Measurements | RCONG544 | $16.5M |
| All Other Assets (Itemize and Describe Amounts Included in Schedule Rc-q, Item 6, That Are Greater Than $100,000 and Exceed 25% of Item 6): Nontrading Derivative Assets - Total Fair Value Reported on Schedule Rc | RCONG541 | $16.5M |
| All Other Assets - Level 2 Fair Value Measurements | RCONG396 | $16.5M |
| All Other Assets - Total Fair Value Reported on Schedule Rc | RCONG391 | $16.5M |
| All Other Liabilities (Itemize and Describe Amounts Included in Schedule Rc-q, Item 13, That Are Greater Than $100,000 and Exceed 25% of Item 13): Nontrading Derivative Liabilities - Level 2 Fair Value Measurements | RCONG569 | $595K |
| All Other Liabilities (Itemize and Describe Amounts Included in Schedule Rc-q, Item 13, That Are Greater Than $100,000 and Exceed 25% of Item 13): Nontrading Derivative Liabilities - Total Fair Value Reported on Schedule Rc | RCONG566 | $595K |
| All Other Liabilities - Level 2 Fair Value Measurements | RCONG808 | $595K |
| All Other Liabilities - Total Fair Value Reported on Balance Sheet | RCONG805 | $595K |
| Total Liabilities Measured at Fair Value on a Recurring Basis - Level 2 Fair Value Measurements | RCONG534 | $595K |
| Total Liabilities Measured at Fair Value on a Recurring Basis - Total Fair Value Reported on Schedule Rc | RCONG531 | $595K |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · Cape Cod Five Cents Savings Bank regulatory capital trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets Before Deductions for Excess Allowance for Loan and Lease Losses and Allocated Transfer Risk Reserve - 100% | RCONB704 | $3.35B |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (22 items)
About Schedule RC-R, Part I · Cape Cod Five Cents Savings Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Total Assets (Net of Deductions) | RCOAA224 | $5.49B |
| Average total consolidated assets | RCOAKW03 | $5.49B |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $3.35B |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $631.3M |
| Common Equity Tier 1 Capital | RCOAP859 | $609.5M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $609.5M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $609.5M |
| Retained Earnings | RCOAKW00 | $609.5M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $595.9M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $21.8M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $21.8M |
| Tier 2 Capital Before Deductions | RCOAP870 | $21.8M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$16.2M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$13.6M |
| Accumulated Net Gains (Losses)on Cash-flow Hedges (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP846 | $2.6M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $1K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1883 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1818 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1818 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1111 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.1083 |
Schedule RC-R, Part II: Risk-Weighted Assets (76 items)
About Schedule RC-R, Part II · Cape Cod Five Cents Savings Bank risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $3.35B |
| Total Risk-weighted Assets | RCONG641 | $3.35B |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $3.33B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $3.08B |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $3.08B |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $3.03B |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - Over One Year Through Five Years | RCONS583 | $1.71B |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $1.66B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $1.66B |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $1.58B |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $1.54B |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $991.9M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $991.9M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $641.2M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $484.7M |
| Unconditionally Cancellable Commitments | RCONS540 | $465.9M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $458.8M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $430.6M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $430.6M |
| Total All Other Assets | RCOND981 | $375.9M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $375.9M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $305.4M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $274.2M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $249.8M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $215.6M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $194.3M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $183.1M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - Over Five Years | RCONS584 | $109.6M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Exposure Amount | RCONH296 | $93.7M |
| Total Balance Sheet Assets - Other Risk Weighting Approaches Exposure Amount | RCONH300 | $93.7M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $86.8M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $86.1M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - One Year or Less | RCONS582 | $45.6M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $43.4M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $43.4M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$42.3M |
| Total Held-to-maturity Securities | RCOND961 | $39.3M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $38.9M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $36.4M |
| Loans and Leases Held for Sale, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS416 | $34.0M |
| Total Loans and Leases Held for Sale, Residential Mortgage Exposures | RCONS413 | $34.0M |
| Held-to-maturity Securities - 100 Pct Risk Weight Category | RCOND965 | $32.8M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $32.5M |
| Over-the-counter Derivatives - Credit Equivalent Amount | RCONS542 | $26.0M |
| Over-the-counter Derivatives - 0 Pct Risk Weight Category | RCONS543 | $25.9M |
| Risk-weighted Assets by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS573 | $22.7M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $21.7M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$21.1M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Risk-weighted Asset Amount | RCONH297 | $20.1M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $17.7M |
| Current Credit Exposure Across All Derivative Contracts Covered by the Regulatory Capital Rules | RCONG642 | $15.8M |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $12.3M |
| Commercial and Similar Letters of Credit with an Original Maturity of One Year or Less - Face, Notional, or Other Amount | RCONG606 | $12.1M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $11.8M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $11.8M |
| Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures - 150 Pct Risk Weight Category | RCONS447 | $10.6M |
| Total Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures | RCONS445 | $10.6M |
| All Other Assets - 250 Pct Risk Weight Category | RCONH293 | $9.1M |
| The total of all components in the 250% balance sheet asset category on Call Report Schedule RC-R is multiplied by 250% | RCONS504 | $9.1M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS562 | $9.1M |
| Held-to-maturity Securities - 50 Pct Risk Weight Category | RCOND964 | $6.0M |
| Risk-weighted Assets by Risk-weighted Category - 1250 Pct Risk Weight Category | RCONS579 | $3.7M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 50% | RCONS529 | $2.4M |
| Commercial and Similar Letters of Credit with an Original Maturity of One Year or Less - 100 Pct Risk Weight Category | RCONG611 | $2.4M |
| Commercial and Similar Letters of Credit with an Original Maturity of One Year or Less - Credit Equivalent Amount | RCONG607 | $2.4M |
| Total Off-balance Sheet Securitization Exposures | RCONS495 | $2.0M |
| Off-balance Sheet Securitization Exposures - Adjustments to Total Reported in Column a | RCONS496 | $1.7M |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $1.5M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $1.2M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $1.2M |
| Held-to-maturity Securities - 20 Pct Risk Weight Category | RCOND963 | $500K |
| Off-balance Sheet Securitization Exposures - 1250 Pct Risk Weight Exposure, by Calculation Method | RCONS497 | $295K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 1250 Pct Risk Weight Category | RCONS568 | $295K |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $163K |
| Over-the-counter Derivatives - 100 Pct Risk Weight Category | RCONS547 | $31K |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 0 Pct Risk Weight Category | RCONS459 | $4K |
Schedule RC-S: Servicing, Securitization, and Asset Sale Activities (2 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Outstanding Principal Balance of Assets Serviced for Others (Memorandum Item 2.C Is to Be Completed If the Balance Is More Than $10 Million): 1-4 Family Residential Mortgages Serviced with No Recourse or Other Servicer-provided Credit Enhancements | RCONB805 | $2.20B |
| Outstanding Principal Balance of Assets Serviced for Others Including Participations Serviced for Others: 1-4 Family Residential Mortgage Serviced for Others That Are in the Process of Foreclosure at Quarter-end (Includes Closed-end and Open-end Loans) | RCONF699 | $516K |
Schedule RC-T: Fiduciary and Related Services (30 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Fiduciary Accounts - Managed Assets | RCONB894 | $1.82B |
| Investment Management Agency Accounts - Managed Assets | RCONB886 | $911.2M |
| Personal Trust and Agency Accounts - Managed Assets | RCONB868 | $355.9M |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Managed Assets | RCONJ259 | $355.0M |
| Other Retirement Accounts - Managed Assets | RCONB880 | $355.0M |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Managed Assets | RCONJ255 | $196.3M |
| Custody and Safekeeping Accounts - Non-managed Assets | RCONB898 | $54.4M |
| Income from Fiduciary Activities | RIAD4070 | $6.6M |
| Fiduciary and Related Services Income-investment Management and Investment Advisory Agency Accounts | RIADJ315 | $3.2M |
| Total Fiduciary Accounts - Non-managed Assets | RCONB895 | $2.6M |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Non-managed Asset | RCONJ260 | $2.5M |
| Other Retirement Accounts - Non-managed Assets | RCONB881 | $2.5M |
| Other Retirement Accounts | RIADB907 | $1.5M |
| Personal Trust and Agency Accounts | RIADB904 | $1.3M |
| Fiduciary and Related Services Income-foundation and Endowment Trust and Agency Accounts | RIADJ316 | $530K |
| Corporate Trust and Agency Accounts - Non-managed Assets | RCONB885 | $125K |
| Custody and Safekeeping Accounts | RIADB909 | $19K |
| Other Fiduciary and Related Services Income | RIADB910 | $15K |
| Gross Fees, Commissions and Other Fiduciary Income: Corporate Trust and Agency Accounts | RIADA479 | $1K |
| Total Fiduciary Accounts - Number of Managed Accounts | RCONB896 | 1,424 |
| Investment Management Agency Accounts - Number of Managed Accounts | RCONB888 | 594 |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Number of Managed Accounts | RCONJ261 | 557 |
| Other Retirement Accounts - Number of Managed Accounts | RCONB882 | 557 |
| Personal Trust and Agency Accounts - Number of Managed Accounts | RCONB870 | 195 |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Number of Managed Accounts | RCONJ257 | 78 |
| Custody and Safekeeping Accounts - Number of Non-managed Accounts | RCONB899 | 21 |
| Total Fiduciary Accounts - Non-managed Accounts | RCONB897 | 11 |
| Corporate Trust and Agency Accounts - Number of Non-managed Accounts | RCONC002 | 6 |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Number of Non-managed Accounts | RCONJ262 | 5 |
| Other Retirement Accounts - Number of Non-managed Accounts | RCONB883 | 5 |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $595.9M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $577.9M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $577.9M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $3.8M |
| Other Comprehensive Income | RIADB511 | $1.3M |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (8 items)
About Schedule RI-B, Part I · Cape Cod Five Cents Savings Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $438K |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $314K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $117K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $80K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $67K |
| Recoveries on All Other Loans | RIAD4628 | $9K |
| Charge-offs on Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RIAD5411 | $7K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $4K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (4 items)
About Schedule RI-B, Part II · Cape Cod Five Cents Savings Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $22.8M |
| Allowance for Loan and Lease Losses | RIAD3123 | $21.2M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $438K |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | $16K |
Schedule RI-C: Disaggregated Data on the Allowance for Credit Losses (13 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases, Held for Investment, Total, Amortized Cost | RCONJJ11 | $4.33B |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Amortized Cost | RCONJJ06 | $3.33B |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Amortized Cost | RCONJJ05 | $662.8M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Amortized Cost | RCONJJ04 | $144.8M |
| Loans and Leases, Held for Investment, Commerical loans, Amortized Cost | RCONJJ07 | $126.9M |
| Loans and Leases, Held for Investment, Other consumer loans, Amortized Cost | RCONJJ09 | $73.5M |
| Loans and Leases, Held for Investment, Total, Allowance Balance | RCONJJ19 | $21.2M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Allowance Balance | RCONJJ14 | $13.2M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Allowance Balance | RCONJJ13 | $3.4M |
| Loans and Leases, Held for Investment, Commerical loans, Allowance Balance | RCONJJ15 | $1.8M |
| Loans and Leases, Held for Investment, Other consumer loans, Allowance Balance | RCONJJ17 | $1.3M |
| Loans and Leases, Held for Investment, Unallocated, Allowance Balance | RCONJJ18 | $997K |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Allowance Balance | RCONJJ12 | $594K |
Schedule RI-E: Explanations (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Bank Card and Credit Card Interchange Fees | RIADF555 | $4.6M |
| First Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4464 | $3.1M |
| Data Processing Expenses | RIADC017 | $2.1M |
| Earnings On/increase in Value of Cash Surrender Value of Life Insurance | RIADC014 | $1.7M |
| Consulting and Advisory Expense | RIADF557 | $1.5M |
| Automated Teller Machine (ATM) and Interchange Expense | RIADF558 | $1.2M |
Cape Cod Five Cents Savings Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Cape Cod Five Cents Savings Bank call report?
The Cape Cod Five Cents Savings Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Cape Cod Five Cents Savings Bank file?
Cape Cod Five Cents Savings Bank files the FFIEC 041. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Cape Cod Five Cents Savings Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Cape Cod Five Cents Savings Bank has Federal Reserve RSSD ID 664206 and FDIC certificate number 23287. Either one finds its filings on the FFIEC Central Data Repository.
How often does Cape Cod Five Cents Savings Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Cape Cod Five Cents Savings Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 23287) · FFIEC NIC profile (RSSD 664206)