PackageTrendsPeer
Letter portraitLegal landscape

Cape & Coast Bank

Yarmouth Port, MA · Cert 26517 · Coastal Affiliates MHC

SI · FDIC · 11 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

15

Q2 2024Q2 2026peer median (50)

Asset Quality

54

Q2 2024Q2 2026peer median (50)

Profitability

9

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

11

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Cape & Coast Bank

Yarmouth Port, MA · Cert 26517 · Coastal Affiliates MHC

SI · FDIC · 11 branches

Q2 2026

$1.7BAssets
$1.5BLoans
$1.4BDeposits
$160.6MEquity
Loan mix
92%RE $1.3B3%C&I $0.0B5%Consumer $0.1BQ2 2025Q2 2026
Deposit mix
87%Interest-bearing $1.2B13%Noninterest $0.2BQ2 2025Q2 2026

NIM

4.48%Q2 ’244.66%Q2 ’254.74%Q2 ’26+23%+14%

Non-interest income vs. expense

2.10%Q2 ’242.52%Q2 ’252.42%Q2 ’26+23%-4%

Market Position · Barnstable Town, MA · 2026 SOD (annual) · 11.9% share · #4 of 11 inst. · $1.4B of $11.8B

Executive Summary

  • Earnings: ROA of 0.52%, up 30 bps year over year; NIM at 2.84%.
  • Asset quality: problem loans at 0.94% of loans (-23 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.70%, up 25 bps from a year ago.
  • Funding: loans stand at 104.26% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.52%+30 bps YoY

Net Interest Margin (YTD, annualized)

2.84%+34 bps YoY

Efficiency Ratio (YTD, annualized)

77.41%-1,261 bps YoY

Tier 1 Leverage Ratio

9.70%+25 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.22%0.44%0.47%0.45%0.52%+30 bps
Return on Equity2.40%4.77%5.07%4.71%5.49%+310 bps
Net Interest Margin2.50%2.59%2.63%2.76%2.84%+34 bps
Efficiency Ratio90.02%81.31%79.84%80.32%77.41%-1,261 bps
Non-Interest Burden2.22%2.01%2.00%2.16%2.13%-9 bps
Growth
Asset Growth (YoY)1.51%4.42%3.05%3.05%2.46%+95 bps
Loan Growth (YoY)1.48%3.17%4.67%4.05%2.00%+53 bps
Deposit Growth (YoY)0.87%6.85%-1.82%1.85%2.12%+125 bps
Asset Quality
Nonperforming Loans / Loans1.17%0.97%1.07%1.03%0.94%-23 bps
Net Charge-Offs / Loans0.01%0.01%0.01%0.01%0.00%-1 bps
Allowance / Loans0.69%0.69%0.67%0.67%0.67%-2 bps
Allowance Coverage of NPLs0.6x0.7x0.6x0.6x0.7x+0.1x
Capital
Tier 1 Leverage Ratio9.45%9.51%9.53%9.57%9.70%+25 bps
Total Risk-Based Capital9.45%9.51%9.53%9.57%9.70%+25 bps
Equity / Assets9.26%9.31%9.45%9.46%9.58%+33 bps
Liquidity & Funding
Loans / Deposits104.38%102.16%109.00%104.65%104.26%-12 bps
Liquid Assets / Assets5.73%7.58%5.84%5.94%5.78%+5 bps
CRE / Total Capitaln/a274%290%289%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Cape & Coast Bank

Yarmouth Port, MA · Cert 26517 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Coastal Affiliates MHC

SI · FDIC · 11 branches

Q2 2026

$1.7BAssets
$1.5BLoans
$1.4BDeposits
$160.6MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 83% of banks $1B-$10B in assets operating in a single state (rank 47 of 258).
  • Widest gap: total risk-based capital ratio trails 96% of banks $1B-$10B in assets operating in a single state (rank 247 of 258).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.52%

Rank 239 of 258

Net Interest Margin

2.84%

Rank 224 of 258

Efficiency Ratio

77.41%

Rank 229 of 257

Equity / Assets

9.58%

Rank 161 of 258

Non-interest income vs. expense

$4.8M$40.2MINCOMEEXPENSE
Unfavorable gap of $35.4M · efficiency ratio beats 11% of banks $1B-$10B in assets operating in a single state
Bank 77.41%Peer median 60.3%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.52%0.93%1.23%1.54%Beats 7%239 / 258
Return on Equity5.43%9.26%11.84%14.74%Beats 8%237 / 258
Net Interest Margin2.84%3.16%3.49%3.88%Beats 13%224 / 258
Efficiency Ratio77.41%51.71%60.30%69.65%Beats 11%229 / 257
Asset Quality
Nonperforming Loans / Loans0.94%0.19%0.46%0.90%Beats 24%197 / 258
Net Charge-Offs / Loans0.00%0.01%0.02%0.07%Beats 83%47 / 258
Capital
Tier 1 Capital Ratio9.70%11.41%12.98%15.12%Beats 4%247 / 258
Total Risk-Based Capital Ratio9.70%12.10%13.91%16.08%Beats 4%247 / 258
Equity / Assets9.58%9.09%10.24%11.72%Beats 38%161 / 258
Liquidity & Funding
Loans / Deposits104.26%73.24%86.34%95.95%90th pctl25 / 258
Loans / Assets86.96%63.01%72.27%78.40%97th pctl8 / 258
Brokered Deposits / Depositsn/aNot reported for this institution