The Cape Cod Five Cents Savings Bank: how it compares with its peers
Against 13 MA banks with half to twice its assets, The Cape Cod Five Cents Savings Bank's strongest measure in Q2 2026 is assets per employee ($15.3M vs. a $12.5M peer median). Its weakest relative measure is efficiency ratio (71.81% vs. 63.41%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.74% | 0.96% | Middle third Ahead of 38% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.78% | 2.80% | Middle third Ahead of 46% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 71.81% | 63.41% | Bottom third Ahead of 31% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $15.3M | $12.5M | Top third Ahead of 85% of peers |
| Loans to deposits Net loans and leases over total deposits. | 95.26% | 101.26% | Context |
What it means for lending operations
Its efficiency ratio of 71.81% is above the 63.41% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Institution for Savings in Newburyport and Its Vicinity Newburyport, MA · $5.56B
- Leader Bank, National Association Arlington, MA · $5.28B
- Middlesex Savings Bank Natick, MA · $6.15B
- PeoplesBank Holyoke, MA · $4.62B
- Hingham Institution for Savings Hingham, MA · $4.56B
- Cambridge Savings Bank Cambridge, MA · $6.98B
Questions about The Cape Cod Five Cents Savings Bank
How big is The Cape Cod Five Cents Savings Bank?
The Cape Cod Five Cents Savings Bank, established in 1855, is headquartered in Hyannis, MA. It reported $5.62B in total assets in its Q2 2026 FDIC call report and operates 22 offices.
What is The Cape Cod Five Cents Savings Bank's return on assets?
0.74% annualized in Q2 2026, against a 0.96% median for 13 MA banks with half to twice its assets, ahead of 38% of them.
What is The Cape Cod Five Cents Savings Bank's efficiency ratio?
71.81% in Q2 2026: it spent about 72 cents in noninterest expense for each dollar of revenue. The peer median is 63.41%, and lower is better.
Is The Cape Cod Five Cents Savings Bank growing its loans?
Net loans shrank 5.1% over the year to Q2 2026, while deposits grew 1.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Massachusetts bank ranked.