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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 75thStandingRank8-Qtr TrendPeer 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