Cape Cod Five Cents Savings Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio dropped 4.83 percentage points in Q2 2026, from 100.55% to 95.72%. It was the largest change from Q1 2026 among the key lines here. Cape Cod Five Cents Savings Bank ranks 37th of 89 Massachusetts banks on loan-to-deposit ratio, in the upper half at 95.72% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Cape Cod Five Cents Savings Bank sits 7.52 points higher, at 95.72% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $4.37B |
| Net loans and leases | $4.35B |
| Loans held for sale | $34.0M |
| Loans to total assets | 77.74% |
| Loan-to-deposit ratio | 95.72% |
| Net loans to equity capital | 7.30% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.53% |
| Multifamily (5+ residential) | 1.62% |
| Commercial and industrial | 2.60% |
| Consumer | 1.68% |
| Credit cards | 0.00% |
| Farm | 0.01% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 77.59% |
| Construction concentration (Tier 1 capital + allowance) | 22.96% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $51.6M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $4.69B | $4.47B | 12.62% | 1.80% | 1.10% |
| Q4 2023 | $4.71B | $4.42B | 12.53% | 1.93% | 1.11% |
| Q1 2024 | $4.76B | $4.36B | 12.21% | 2.17% | 1.63% |
| Q2 2024 | $4.77B | $4.42B | 12.15% | 2.10% | 2.17% |
| Q3 2024 | $4.80B | $4.65B | 12.05% | 1.77% | 2.17% |
| Q4 2024 | $4.76B | $4.43B | 12.28% | 1.86% | 2.30% |
| Q1 2025 | $4.59B | $4.39B | 12.75% | 2.12% | 2.24% |
| Q2 2025 | $4.60B | $4.50B | 13.01% | 2.27% | 2.09% |
| Q3 2025 | $4.57B | $4.65B | 13.38% | 2.31% | 1.99% |
| Q4 2025 | $4.52B | $4.47B | 12.97% | 2.36% | 1.91% |
| Q1 2026 | $4.42B | $4.40B | 13.27% | 2.44% | 1.81% |
| Q2 2026 | $4.37B | $4.56B | 13.53% | 2.60% | 1.68% |
Cape Cod Five Cents Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Cape Cod Five Cents Savings Bank, freeSource: Call Report Schedule RC-C, 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 Cod Five Cents Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23287) · FFIEC NIC profile (RSSD 664206)