Cape Cod Five Cents Savings Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Cape Cod Five Cents Savings Bank is an FDIC-insured commercial bank. As of Q2 2026, the bank held approximately $5.6B in total assets and $4.6B in deposits. Returns are in line with industry norms at 0.79% ROA and 7.32% ROE; net interest margin is 2.79%. Capital is comfortably above regulatory requirements, CET1 ratio of 18.18% sits well above the 7% level required once the capital conservation buffer is included. Asset quality is pristine, 0.47% NPLs and a 3.30% Texas Ratio. Cape Cod Five Cents Savings operates a 23-branch network.
As of June 30, 2026, Cape Cod Five Cents Savings Bank reported a CET1 capital ratio of 18.18%, a return on assets of 0.79%, a nonperforming-loan ratio of 0.47%, a Texas ratio of 3.30%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 1500 Iyannough Rd, Hyannis, MA 02601
- County
- Barnstable
- Metro Area
- Barnstable Town, MA
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- New York (Region 2)
- Established
- March 16, 1855
- Former names
- The Cape Cod Five Cents Savings Bank (1981)
- Offices
- 23 domestic
- Employees (FTE)
- 368
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 2, 1981
- FDIC Cert
- 23287
- Fed RSSD
- 664206
- SEC CIK
- 2142096 → filed by MUTUAL BANCORP
- Website
- www.capecodfive.com →
- Parent Holding Company
- MUTUAL BANCORP (RSSD 4369808)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Cape Cod Five Cents Savings Bank terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Cape Cod Five Cents Savings Bank, freeCape Cod Five Cents Savings Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.18% | 0.79% | 0.47% | 3.30% | 2.79% |
| Q1 2026 | 18.09% | 0.71% | 0.44% | 3.21% | 2.73% |
| Q4 2025 | 17.55% | 0.71% | 0.40% | 3.01% | 2.85% |
| Q3 2025 | 17.04% | 0.82% | 0.37% | 2.83% | 2.79% |
| Q2 2025 | 16.64% | 0.66% | 0.37% | 2.97% | 2.64% |
| Q1 2025 | 16.55% | 0.63% | 0.31% | 2.45% | 2.51% |
| Q4 2024 | 15.97% | 0.58% | 0.29% | 2.44% | 2.36% |
| Q3 2024 | 15.45% | 0.58% | 0.31% | 2.68% | 2.40% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 23 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Orleans Branch | Orleans , MA | 02653 | $380.3M |
| Yarmouth Branch | South Yarmouth , MA | 02664 | $368.8M |
| Hyannis Branch | Hyannis , MA | 02601 | $361.9M |
| Nantucket Branch | Nantucket , MA | 02554 | $331.7M |
| Falmouth Branch | Falmouth , MA | 02540 | $320.9M |
| Chatham Branch | Chatham , MA | 02633 | $316.5M |
| Harwich Port Branch | Harwich Port , MA | 02646 | $249.7M |
| Mashpee Branch | Mashpee , MA | 02649 | $249.1M |
| South Dennis Branch | South Dennis , MA | 02660 | $246.9M |
| Centerville Branch | Centerville , MA | 02632 | $244.8M |
| Sandwich Branch | Sandwich , MA | 02563 | $238.2M |
| East Harwich Branch | East Harwich , MA | 02645 | $230.5M |
| Brewster Branch | Brewster , MA | 02631 | $197.7M |
| Wellfleet Branch | Wellfleet , MA | 02667 | $129.3M |
| North Eastham Branch | North Eastham , MA | 02651 | $120.0M |
| Wareham Branch | Wareham , MA | 02571 | $119.9M |
| Hyannis Branch Office | Hyannis , MA | 02601 | $101.4M |
| Martha's Vineyard Branch | Vineyard Haven , MA | 02568 | $90.2M |
| Main Street Nantucket Branch | Nantucket , MA | 02554 | $86.5M |
| Pinehills Plymouth Branch | Plymouth , MA | 02360 | $77.9M |
| Provincetown Branch Office | Provincetown , MA | 02657 | $57.5M |
| Plymouth Branch Office | Plymouth , MA | 02360 | $44.1M |
| The Cape Cod Five Cents Savings Bank | Hyannis , MA | 02601 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 1, 1972 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
What the public regulatory sources show for Cape Cod Five Cents Savings Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.7% of deposits in MA, rank 15 of 120 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Cape Cod Five Cents Savings Bank
What are Cape Cod Five Cents Savings Bank's total assets?
As of the Q2 2026 filing, Cape Cod Five Cents Savings Bank reported total assets of $5.62 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Cape Cod Five Cents Savings Bank headquartered?
Cape Cod Five Cents Savings Bank is headquartered in Hyannis, MA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Cape Cod Five Cents Savings Bank founded?
Cape Cod Five Cents Savings Bank was established in 1855, per the FDIC institution directory.
Is Cape Cod Five Cents Savings Bank FDIC-insured?
Yes. Cape Cod Five Cents Savings Bank is an FDIC-insured commercial bank (FDIC Certificate #23287). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Cape Cod Five Cents Savings Bank?
Cape Cod Five Cents Savings Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Cape Cod Five Cents Savings Bank's CET1 capital ratio?
Cape Cod Five Cents Savings Bank reported a Common Equity Tier 1 (CET1) capital ratio of 18.18% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Cape Cod Five Cents Savings Bank operate?
Cape Cod Five Cents Savings Bank operates 23 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Cape Cod Five Cents Savings Bank's Texas Ratio?
Cape Cod Five Cents Savings Bank's Texas Ratio is 3.30% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Cape Cod Five Cents Savings Bank previously called?
The charter now named Cape Cod Five Cents Savings Bank has also operated as The Cape Cod Five Cents Savings Bank (1981), per FDIC structure-change records.
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