BlastPoint's Banking Scorecard
Cape & Coast Bank
Community
Specialty: Commercial
MA
FDIC cert 26517
Yarmouth Port, MA
1484
banks in Community tier nationally
59 in MA
View Community leaderboard (MA) →
Cape & Coast Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 34% in Community
- - Loan-to-Deposit Ratio 25.20% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.7B
+3.1% YoY
+0.0% QoQ
|
+$277.6M |
$1.4B
+2.0% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
74% |
| Total Loans ? |
$1.4B
+4.7% YoY
+1.9% QoQ
|
+$472.6M |
$975.5M
+2.4% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
80% |
| Total Deposits ? |
$1.3B
-1.8% YoY
-4.6% QoQ
|
+$172.9M |
$1.2B
+1.7% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
72% |
| Return on Assets ? |
0.47%
+98.6% YoY
+6.8% QoQ
|
-0.69% |
1.16%
+17.2% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 10% in tier |
| Net Interest Margin ? |
2.80%
+24.0% YoY
+2.3% QoQ
|
-0.86% |
3.66%
+9.1% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 11% in tier |
| Efficiency Ratio ? |
79.84%
-9.3% YoY
-1.8% QoQ
|
+17.21% |
62.63%
-5.3% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 10% in tier |
| Delinquency Rate ? |
1.07%
+9.6% QoQ
|
+0.45% |
0.63%
+18.3% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
24% |
| Loan-to-Deposit Ratio ? |
108.26%
+6.6% YoY
+6.7% QoQ
|
+25.20% |
83.06%
+0.3% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
Bottom 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.14%
+2.7% YoY
-9.7% QoQ
|
-7.91% |
21.05%
-0.9% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
19% |
| Nonperforming Asset Ratio ? |
0.93%
+11.7% QoQ
|
+0.43% |
0.50%
+20.3% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
22% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.48%
+39.1% YoY
+17.7% QoQ
|
-0.26% |
0.74%
-1.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
45% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Capital Thin
risk
#147 of 432 · Bottom 34% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Loan-to-Deposit Ratio
metric
Bottom 4%
in Community
Why this stands out
Current:
108.26%
(Tier avg: 83.06%, National avg: 78.04%)
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
80
80th pctile
Total Loans
Current: $1.4B · Tier avg: $975.5M
74
74th pctile
Total Assets
Current: $1.7B · Tier avg: $1.4B
72
72th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
45
45th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
24
24th pctile
Delinquency Rate
Current: 1.07% · Tier avg: 0.63%
22
22th pctile
Nonperforming Asset Ratio
Current: 0.93% · Tier avg: 0.50%
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 13.14% · Tier avg: 21.05%
11
11th pctile
Net Interest Margin
Current: 2.80% · Tier avg: 3.66%
10
10th pctile
Efficiency Ratio
Current: 79.84% · Tier avg: 62.63%
10
10th pctile
Return on Assets
Current: 0.47% · Tier avg: 1.16%
4
4th pctile
Loan-to-Deposit Ratio
Current: 108.26% · Tier avg: 83.06%
Top Weaknesses
4
4th pctile
Loan-to-Deposit Ratio
Current: 108.26% · Tier avg: 83.06%
10
10th pctile
Return on Assets
Current: 0.47% · Tier avg: 1.16%
10
10th pctile
Efficiency Ratio
Current: 79.84% · Tier avg: 62.63%
11
11th pctile
Net Interest Margin
Current: 2.80% · Tier avg: 3.66%
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 13.14% · Tier avg: 21.05%
22
22th pctile
Nonperforming Asset Ratio
Current: 0.93% · Tier avg: 0.50%
24
24th pctile
Delinquency Rate
Current: 1.07% · Tier avg: 0.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
45
45th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.74%
72
72th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
74
74th pctile
Total Assets
Current: $1.7B · Tier avg: $1.4B
80
80th pctile
Total Loans
Current: $1.4B · Tier avg: $975.5M