Cape Cod Five Cents Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Cape Cod Five Cents Savings Bank of Hyannis, 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 | 0.79% | 1.44% | -0.65% | 18th bottom |
| ROAE | 7.32% | 12.51% | -5.19% | 17th bottom |
| Net Interest Margin | 2.79% | 3.84% | -1.05% | 9th bottom |
| Efficiency Ratio | 71.00% | 58.86% | +12.14% | 19th bottom |
| PPNR / Avg Assets | 0.97% | 1.78% | -0.81% | 14th bottom |
| Yield on Earning Assets | 4.61% | 5.71% | -1.10% | 9th bottom |
| Cost of Funds | 1.93% | 2.03% | -0.10% | 56th above |
| Net Interest Spread | 2.57% | 3.18% | -0.61% | 23rd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.47% | 0.96% | -0.49% | 61st above |
| NPA / Total Assets | 0.36% | 0.75% | -0.39% | 60th above |
| NCO / Avg Loans | -0.00% | 0.31% | -0.31% | 81st top |
| ACL / Total Loans | 0.49% | 1.25% | -0.76% | 3rd bottom |
| ACL / NPLs (Coverage) | 104.26% | 699.50% | -595.24% | 32nd below |
| Texas Ratio | 3.30% | 7.17% | -3.87% | 62nd above |
| Provision / NCO | -334.64% | 816.06% | -1150.70% | 2nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 18.18% | 17.41% | +0.77% | 87th top |
| Tier 1 Ratio | 18.18% | 17.44% | +0.74% | 87th top |
| Total Capital Ratio | 18.83% | 18.50% | +0.33% | 85th top |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.11% | 11.60% | -0.49% | 62nd above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.60% | 11.33% | -0.73% | 53rd above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.60% | 10.65% | -0.05% | 66th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 95.72% | 86.34% | +9.38% | 27th below |
| Core Deposit Ratio | 92.57% | 85.55% | +7.02% | 72nd above |
| Uninsured Deposit Ratio | 16.36% | 32.73% | -16.37% | 90th top |
| Wholesale Funding Ratio | 7.61% | 5.45% | +2.16% | 26th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.30% | 10.47% | -10.77% | 14th bottom |
| Loan Growth (Y/Y) | -5.11% | 8.01% | -13.12% | 5th bottom |
| Deposit Growth (Y/Y) | 1.42% | 7.99% | -6.57% | 26th below |
See Cape Cod Five Cents Savings Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Cape Cod Five Cents Savings 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 Cod Five Cents Savings Bank profile, how to read a UBPR, or how this data updates.