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Cape Ann Savings Bank

Gloucester, MA · Cert 90203

SI · FDIC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area3

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 in the Boston-Cambridge-Newton, MA-NH area (n=27). 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

93

Q2 2024Q2 2026peer median (50)

Asset Quality

74

Q2 2024Q2 2026peer median (50)

Profitability

70

Q2 2024Q2 2026peer median (50)

Liquidity

41

Q2 2024Q2 2026peer median

Efficiency

81

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 Ann Savings Bank

Gloucester, MA · Cert 90203

SI · FDIC · 4 branches

Q2 2026

$1.1BAssets
$735.8MLoans
$804.8MDeposits
$216.5MEquity
Loan mix
98%RE $705.0M2%C&I $14.1M0%Consumer $1.9MQ2 2025Q2 2026
Deposit mix
91%Interest-bearing $731.3M9%Noninterest $73.5MQ2 2025Q2 2026

NIM

3.78%Q2 ’244.02%Q2 ’254.31%Q2 ’26+31%+18%

Non-interest income vs. expense

1.91%Q2 ’241.83%Q2 ’251.86%Q2 ’26-9%+1%

Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 0.1% share · #41 of 100 inst. · $0.8B of $580.3B

Executive Summary

  • Earnings: ROA of 1.72%, up 60 bps year over year; NIM at 2.64%.
  • Asset quality: problem loans at 0.59% of loans (+14 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 20.48%, down 14 bps from a year ago.
  • Funding: loans stand at 91.42% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.72%+60 bps YoY

Net Interest Margin (YTD, annualized)

2.64%+40 bps YoY

Efficiency Ratio (YTD, annualized)

58.55%-787 bps YoY

Tier 1 Leverage Ratio

20.48%-14 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.11%1.36%1.09%1.22%1.72%+60 bps
Return on Equity5.60%6.81%5.46%6.06%8.52%+292 bps
Net Interest Margin2.23%2.23%2.31%2.64%2.64%+40 bps
Efficiency Ratio66.42%65.69%65.24%60.93%58.55%-787 bps
Non-Interest Burden1.31%1.30%1.34%1.41%1.32%+1 bps
Growth
Asset Growth (YoY)2.65%2.64%4.71%7.68%7.24%+460 bps
Loan Growth (YoY)3.29%4.97%5.07%3.84%4.42%+113 bps
Deposit Growth (YoY)-0.33%1.56%3.69%10.02%8.66%+899 bps
Asset Quality
Nonperforming Loans / Loans0.45%0.42%0.54%0.44%0.59%+14 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.88%0.86%0.85%0.86%0.84%-3 bps
Allowance Coverage of NPLs1.9x2.0x1.6x1.9x1.4x-0.5x
Capital
Tier 1 Leverage Ratio20.62%20.36%20.46%20.32%20.48%-14 bps
Total Risk-Based Capital27.89%27.97%27.98%28.46%28.20%+32 bps
Equity / Assets20.14%20.00%20.10%20.05%20.24%+10 bps
Liquidity & Funding
Loans / Deposits95.14%92.90%92.79%91.23%91.42%-371 bps
Liquid Assets / Assets5.13%5.13%4.65%6.32%4.69%-44 bps
CRE / Total Capitaln/a74.18%75.82%77.67%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 Ann Savings Bank

Gloucester, MA · Cert 90203 · Peer group: banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (n=27)

SI · FDIC · 4 branches

Q2 2026

$1.1BAssets
$735.8MLoans
$804.8MDeposits
$216.5MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 5 of 27).
  • Widest gap: net interest margin trails 59% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 16 of 27).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.69%

Rank 3 of 27

Net Interest Margin

2.64%

Rank 16 of 27

Efficiency Ratio

58.55%

Rank 6 of 27

Equity / Assets

20.24%

Rank 2 of 27

Non-interest income vs. expense

$5.7M$19.7MINCOMEEXPENSE
Unfavorable gap of $14.0M · efficiency ratio beats 81% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area
Bank 58.55%Peer median 68.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.69%0.48%0.78%0.99%Beats 89%3 / 27
Return on Equity8.35%5.50%7.06%8.20%Beats 81%5 / 27
Net Interest Margin2.64%2.49%2.70%3.34%Beats 41%16 / 27
Efficiency Ratio58.55%59.27%68.19%75.85%Beats 81%6 / 27
Asset Quality
Nonperforming Loans / Loans0.59%0.20%0.58%1.15%Beats 48%15 / 27
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%5 / 27
Capital
Tier 1 Capital Ratio27.40%13.21%14.69%16.81%Beats 93%2 / 27
Total Risk-Based Capital Ratio28.20%13.71%15.43%18.07%Beats 93%2 / 27
Equity / Assets20.24%9.62%11.14%13.14%Beats 93%2 / 27
Liquidity & Funding
Loans / Deposits91.42%91.42%101.19%107.11%22nd pctl21 / 27
Loans / Assets68.78%75.31%80.56%83.39%11th pctl24 / 27
Brokered Deposits / Depositsn/aNot reported for this institution