Cape & Coast Bank: how it compares with its peers
Against 42 MA banks with half to twice its assets, Cape & Coast Bank's strongest measure in Q2 2026 is assets per employee ($10.6M vs. a $10.2M peer median). Its weakest relative measure is efficiency ratio (77.41% vs. 71.20%).
| Measure | Cape & Coast Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.52% | 0.68% | Bottom third Ahead of 29% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.99% | 3.08% | Middle third Ahead of 38% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 77.41% | 71.20% | Bottom third Ahead of 24% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.6M | $10.2M | Middle third Ahead of 57% of peers |
| Loans to deposits Net loans and leases over total deposits. | 103.56% | 94.05% | Context |
What it means for lending operations
Its efficiency ratio of 77.41% is above the 71.20% 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
- Everett Co-operative Bank Everett, MA · $1.67B
- Main Street Bank Marlborough, MA · $1.67B
- East Cambridge Savings Bank Cambridge, MA · $1.66B
- Bluestone Bank Raynham, MA · $1.62B
- Newburyport Five Cents Savings Bank Newburyport, MA · $1.57B
Questions about Cape & Coast Bank
How big is Cape & Coast Bank?
Cape & Coast Bank, established in 1921, is headquartered in Yarmouth Port, MA. It reported $1.68B in total assets in its Q2 2026 FDIC call report and operates 11 offices.
What is Cape & Coast Bank's return on assets?
0.52% annualized in Q2 2026, against a 0.68% median for 42 MA banks with half to twice its assets, ahead of 29% of them.
What is Cape & Coast Bank's efficiency ratio?
77.41% in Q2 2026: it spent about 77 cents in noninterest expense for each dollar of revenue. The peer median is 71.20%, and lower is better.
Is Cape & Coast Bank growing its loans?
Net loans grew 2.0% over the year to Q2 2026, while deposits grew 2.1%.
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.