BlastPoint's Banking Scorecard
The Cape Cod Five Cents Savings Bank
Mid-Market
Specialty: Mortgage
MA
FDIC cert 23287
Hyannis, MA
201
banks in Mid-Market tier nationally
9 in MA
View Mid-Market leaderboard (MA) →
The Cape Cod Five Cents Savings Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 4.00% above tier
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 7% in Mid-Market
- - Liquidity Strain: Bottom 14% in Mid-Market
- - Liquidity Overhang: Bottom 16% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$5.6B
-1.9% YoY
-1.7% QoQ
|
-$4.9B |
$10.5B
+2.9% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
Bottom 12% in tier |
| Total Loans ? |
$4.5B
-4.9% YoY
-0.9% QoQ
|
-$2.6B |
$7.1B
+4.5% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
28% |
| Total Deposits ? |
$4.5B
+0.7% YoY
-4.0% QoQ
|
-$4.1B |
$8.5B
+3.0% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 9% in tier |
| Return on Assets ? |
0.70%
+44.2% YoY
+0.6% QoQ
|
-0.46% |
1.16%
+9.4% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
21% |
| Net Interest Margin ? |
2.73%
+18.8% YoY
+2.2% QoQ
|
-0.66% |
3.40%
+7.9% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
20% |
| Efficiency Ratio ? |
71.45%
-6.8% YoY
+0.5% QoQ
|
+14.85% |
56.60%
-3.2% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
15% |
| Delinquency Rate ? |
0.40%
+37.8% YoY
+9.4% QoQ
|
-0.28% |
0.68%
+12.0% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
66% |
| Loan-to-Deposit Ratio ? |
100.74%
-5.6% YoY
+3.1% QoQ
|
+15.27% |
85.47%
+1.1% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
Bottom 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
5.09%
+21.4% YoY
-3.2% QoQ
|
-15.55% |
20.64%
-0.3% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 11% in tier |
| Nonperforming Asset Ratio ? |
0.32%
+33.5% YoY
+10.3% QoQ
|
-0.18% |
0.50%
+7.3% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
63% |
| Tier 1 Capital Ratio ? |
17.55%
+9.9% YoY
+3.0% QoQ
|
+4.00% |
13.55%
+1.8% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
Top 8% in tier |
| Non-Interest Income / Assets ? |
0.63%
-11.2% YoY
+35.1% QoQ
|
-0.33% |
0.96%
+7.1% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
43% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 8%
in Mid-Market
Why this stands out
Current:
17.55%
(Tier avg: 13.55%, National avg: 9.75%)
Concerns (3)
Flatlined Growth
risk
#4 of 44 · Bottom 7% in Mid-Market
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.70%
(Tier: 1.16%, National: 1.12%)
44 of 44 Mid-Market banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
Liquidity Strain
risk
#12 of 80 · Bottom 14% in Mid-Market
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
100.74%
(Tier: 85.47%, National: 78.04%)
80 of 80 Mid-Market banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
Liquidity Overhang
risk
#5 of 26 · Bottom 16% in Mid-Market
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
17.55%
(Tier: 13.55%, National: 9.75%)
Loan-to-Deposit Ratio:
100.74%
(Tier: 85.47%, National: 78.04%)
26 of 26 Mid-Market banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
92
92th pctile
Tier 1 Capital Ratio
Current: 17.55% · Tier avg: 13.55%
66
66th pctile
Delinquency Rate
Current: 0.40% · Tier avg: 0.68%
63
63th pctile
Nonperforming Asset Ratio
Current: 0.32% · Tier avg: 0.50%
43
43th pctile
Non-Interest Income / Assets
Current: 0.63% · Tier avg: 0.96%
28
28th pctile
Total Loans
Current: $4.5B · Tier avg: $7.1B
21
21th pctile
Return on Assets
Current: 0.70% · Tier avg: 1.16%
20
20th pctile
Net Interest Margin
Current: 2.73% · Tier avg: 3.40%
15
15th pctile
Efficiency Ratio
Current: 71.45% · Tier avg: 56.60%
12
12th pctile
Total Assets
Current: $5.6B · Tier avg: $10.5B
11
11th pctile
Non-Interest-Bearing Deposit Share
Current: 5.09% · Tier avg: 20.64%
10
10th pctile
Loan-to-Deposit Ratio
Current: 100.74% · Tier avg: 85.47%
9
9th pctile
Total Deposits
Current: $4.5B · Tier avg: $8.5B
Top Weaknesses
9
9th pctile
Total Deposits
Current: $4.5B · Tier avg: $8.5B
10
10th pctile
Loan-to-Deposit Ratio
Current: 100.74% · Tier avg: 85.47%
11
11th pctile
Non-Interest-Bearing Deposit Share
Current: 5.09% · Tier avg: 20.64%
12
12th pctile
Total Assets
Current: $5.6B · Tier avg: $10.5B
15
15th pctile
Efficiency Ratio
Current: 71.45% · Tier avg: 56.60%
20
20th pctile
Net Interest Margin
Current: 2.73% · Tier avg: 3.40%
21
21th pctile
Return on Assets
Current: 0.70% · Tier avg: 1.16%
28
28th pctile
Total Loans
Current: $4.5B · Tier avg: $7.1B
43
43th pctile
Non-Interest Income / Assets
Current: 0.63% · Tier avg: 0.96%
63
63th pctile
Nonperforming Asset Ratio
Current: 0.32% · Tier avg: 0.50%
66
66th pctile
Delinquency Rate
Current: 0.40% · Tier avg: 0.68%
92
92th pctile
Tier 1 Capital Ratio
Current: 17.55% · Tier avg: 13.55%