Seamens Bank
Provincetown, MA · Cert 90268 · Peer group: banks under $1B in assets (n=581-629)
SI · FDIC · 5 branches
Q2 2026
$478.5MAssets
$365.2MLoans
$405.4MDeposits
$58.5MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 69% of banks under $1B in assets (rank 182 of 581).
- Widest gap: return on equity trails 78% of banks under $1B in assets (rank 490 of 629).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.59%
Rank 479 of 629
Net Interest Margin
3.77%
Rank 244 of 629
Efficiency Ratio
80.62%
Rank 486 of 629
Equity / Assets
12.24%
Rank 216 of 629
Non-interest income vs. expense
Unfavorable gap of $14.1M · efficiency ratio beats 23% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.59% | 0.60% | 1.01% | 1.45% | Beats 24% | 479 / 629 | | |
| Return on Equity | 4.82% | 5.38% | 9.30% | 13.28% | Beats 22% | 490 / 629 | | |
| Net Interest Margin | 3.77% | 3.03% | 3.54% | 4.05% | Beats 61% | 244 / 629 | | |
| Efficiency Ratio | 80.62% | 58.35% | 67.79% | 79.08% | Beats 23% | 486 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.76% | 0.09% | 0.46% | 1.20% | Beats 37% | 369 / 581 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 69% | 182 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 12.57% | 11.24% | 13.84% | 18.77% | Beats 39% | 383 / 629 | | |
| Total Risk-Based Capital Ratio | 12.57% | 11.58% | 14.43% | 19.66% | Beats 34% | 416 / 629 | | |
| Equity / Assets | 12.24% | 9.09% | 10.65% | 13.80% | Beats 66% | 216 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 90.10% | 67.24% | 80.90% | 93.48% | 69th pctl | 183 / 594 | | |
| Loans / Assets | 76.33% | 53.31% | 67.71% | 78.15% | 70th pctl | 191 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |