Bank Comparison
Cape & Coast Bank vs East Cambridge Savings Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
15 · 6
winning metrics across 21 comparable rows
Capital adequacy
| Metric | Cape & Coast Bank | East Cambridge Savings Bank |
|---|---|---|
| CET1 Ratio | — | 14.40% |
| Tier 1 Capital Ratio | — | 14.40% |
| Total Capital Ratio | — | 15.13% |
| Tier 1 Leverage Ratio | 9.57% | 9.54% |
| Equity / Assets | 9.46% | 9.26% |
Profitability
| Metric | Cape & Coast Bank | East Cambridge Savings Bank |
|---|---|---|
| Return on Assets (ROA) | 0.45% | 0.33% |
| Return on Equity (ROE) | 4.71% | 3.48% |
| Net Interest Margin (NIM) | 2.88% | 2.46% |
| Yield on Earning Assets | 4.87% | 4.54% |
| Cost of Funds | 2.10% | 2.24% |
Asset quality
| Metric | Cape & Coast Bank | East Cambridge Savings Bank |
|---|---|---|
| Texas Ratio | 8.98% | 1.21% |
| Non-Performing Loan Ratio | 1.03% | 0.14% |
| Non-Performing Asset Ratio | 0.90% | 0.11% |
| Net Charge-Off Ratio | 0.01% | 0.00% |
| ACL / Loans | 0.67% | 0.59% |
Balance sheet
| Metric | Cape & Coast Bank | East Cambridge Savings Bank |
|---|---|---|
| Total Assets | $1,672M | $1,668M |
| Total Deposits | $1,396M | $1,338M |
| Total Loans | $1,461M | $1,279M |
| Total Equity | $158,250K | $154,507K |
| Net Income (quarter) | $1,859K | $1,340K |
Liquidity & funding
| Metric | Cape & Coast Bank | East Cambridge Savings Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 104.65% | 95.58% |
| Core Deposit Ratio | 85.66% | 83.02% |
| Uninsured Deposit Ratio | 36.96% | 36.20% |
Identity
| Metric | Cape & Coast Bank | East Cambridge Savings Bank |
|---|---|---|
| Headquarters City | YARMOUTH PORT | CAMBRIDGE |
| Headquarters State | MA | MA |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 11 | 12 |
| Employees (FTE) | 158 | 153 |
| Established | Jan. 1, 1921, midnight | April 2, 1854, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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