Seamens Bank
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Data as of · sourced from FFIEC call reports. How we update
Seamens Bank is an FDIC-insured savings bank headquartered in Provincetown, MA, established in 1851 (FDIC certificate 90268), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $478.5M, up 2.2% from Q2 2025, the 70th largest of 89 banks headquartered in Massachusetts. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.57% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 90268
- Headquarters
- Provincetown, MA
- Established
- 1851
- Total assets, Q2 2026
- $478.5M
- Assets vs Q2 2025
- +2.2%
- Tier 1 leverage ratio, Q2 2026
- 12.57%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 211373461
- Latest call report
- Q2 2026, FFIEC 051 · Seamens Bank call report
- Asset rank in state
- 70th of 89 in Massachusetts
Seamens Bank, based in Provincetown, Massachusetts, reported $478 million in assets at June 30, 2026, up 2.2% from a year earlier. It returns 3.8% a year on shareholders' equity, about a third the median of 12.5% for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 85 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Earnings jumped: net income for the quarter was $558,000, 148% above the same quarter a year earlier. Its $43 million non-owner-occupied commercial real estate book is now fully current, after 2.23% of it was past due or on nonaccrual a year earlier.
As of June 30, 2026, Seamens Bank reported a return on assets of 0.48%, a nonperforming-loan ratio of 0.76% and a Texas ratio of 4.59%. The figures come from its call report filed with the FFIEC.
Seamens Bank ranks as the 70th largest of the 89 banks based in Massachusetts, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 2.0% to $478.5M, loans rose 1.5% and deposits rose 0.2%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 70.1% of total loans, ahead of owner-occupied commercial real estate loans at 13.2%. The FDIC Summary of Deposits lists 5 offices for it, in 4 cities in MA; its Provincetown 2 offices book 53% of its branch deposits. By the capital ratios in its Q2 2026 call report, Seamens Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 221 Commercial St, Provincetown, MA 02657
- County
- Barnstable
- Metro Area
- Barnstable Town, MA
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- April 14, 1851
- Former names
- Seamen's Savings Bank (1985-1992)
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 72
- Domestic deposits
- $405.4M
- Allowance for credit losses
- $2.1M
- Net charge-offs (YTD)
- -$15K
- Average total assets
- $469.6M
- Average total loans
- $358.7M
- Average interest-bearing deposits
- $323.9M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- July 1, 1985
- FDIC Cert
- 90268
- Fed RSSD
- 418100
- Website
- seamensbank.com →
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Seamens Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Seamens Bank's total assets ran between $440.2M (Q2 2024) and $491.4M (Q3 2025), 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
$478.5M total assets against $468.0M; $419.9M total liabilities against $412.0M.
$363.1M net loans and leases against $354.1M; $405.4M total deposits against $411.6M.
$75.8M securities against $77.1M; $24.4M cash and balances due against $23.6M.
$6.0M total interest income against $5.8M; $1.6M total interest expense against $1.8M.
$4.5M net interest income against $3.9M.
$185K total noninterest income against $200K; $4.0M total noninterest expense against $3.9M.
$0 provision for credit losses against $0.
$558K net income against $225K.
0.48% return on assets against 0.19%; 3.97% net interest margin against 3.56%.
12.57% tier 1 leverage ratio against 12.11%.
Inside the full Seamens Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeSeamens Bank rankings
Its closest position to the top of a national ranking is 1,433 of 3,640, for Texas Ratio; its furthest is 3,374 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.19% (Q2 2025) to 0.73% (Q4 2025) and its net interest margin ran from 3.47% (Q1 2025) to 3.97% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.57% | 0.48% | 0.76% | 4.59% | 3.97% |
| Q1 2026 | 12.42% | 0.72% | 0.34% | 2.01% | 3.88% |
| Q4 2025 | 11.89% | 0.73% | 0.38% | 2.30% | 3.91% |
| Q3 2025 | 11.64% | 0.61% | 0.40% | 2.44% | 3.74% |
| Q2 2025 | 12.11% | 0.19% | 0.71% | 4.38% | 3.56% |
| Q1 2025 | 11.85% | 0.53% | 0.64% | 3.80% | 3.47% |
| Q4 2024 | 11.54% | 0.54% | 0.87% | 5.24% | 3.56% |
| Q3 2024 | 11.69% | 0.65% | 0.56% | 3.33% | 3.55% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 |
|---|---|---|---|
| Seamen's Bank | Provincetown , MA | 02657 | $172.4M |
| North Truro Branch | North Truro , MA | 02652 | $71.5M |
| North Eastham Branch | North Eastham , MA | 02651 | $59.3M |
| Wellfleet Branch | Wellfleet , MA | 02667 | $57.9M |
| A & P Plaza Branch | Provincetown , MA | 02657 | $44.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MA, rank 81 of 112 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $302K approved, $302K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (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 Seamens Bank
What are Seamens Bank's total assets?
As of the Q2 2026 filing, Seamens Bank reported total assets of $478.5 million in its FFIEC call report.
Where is Seamens Bank headquartered?
It is headquartered in Provincetown, MA, United States.
When was Seamens Bank founded?
It was established in 1851, per the FDIC institution directory.
Is Seamens Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #90268). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Seamens Bank?
Seamens Bank's primary federal regulator is the FDIC.
How many branches does Seamens Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Seamens Bank's Texas Ratio?
Its Texas Ratio is 4.59% 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 Seamens Bank previously called?
The charter now named Seamens Bank has also operated as Seamen's Savings Bank (1985-1992), per FDIC structure-change records.
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