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
Unfavorable gap of $14.0M · efficiency ratio beats 81% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.69% | 0.48% | 0.78% | 0.99% | Beats 89% | 3 / 27 | |
| Return on Equity | 8.35% | 5.50% | 7.06% | 8.20% | Beats 81% | 5 / 27 | |
| Net Interest Margin | 2.64% | 2.49% | 2.70% | 3.34% | Beats 41% | 16 / 27 | |
| Efficiency Ratio | 58.55% | 59.27% | 68.19% | 75.85% | Beats 81% | 6 / 27 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.59% | 0.20% | 0.58% | 1.15% | Beats 48% | 15 / 27 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 5 / 27 | |
| Capital |
| Tier 1 Capital Ratio | 27.40% | 13.21% | 14.69% | 16.81% | Beats 93% | 2 / 27 | |
| Total Risk-Based Capital Ratio | 28.20% | 13.71% | 15.43% | 18.07% | Beats 93% | 2 / 27 | |
| Equity / Assets | 20.24% | 9.62% | 11.14% | 13.14% | Beats 93% | 2 / 27 | |
| Liquidity & Funding |
| Loans / Deposits | 91.42% | 91.42% | 101.19% | 107.11% | 22nd pctl | 21 / 27 | |
| Loans / Assets | 68.78% | 75.31% | 80.56% | 83.39% | 11th pctl | 24 / 27 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |