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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