BlastPoint's Banking Scorecard
The Cape Cod Five Cents Savings Bank
Hyannis, MA
23 branches across MA
The Cape Cod Five Cents Savings Bank has 1 strength but faces 7 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.45% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 4.0% in tier
- - Liquidity Strain: Bottom 10.8% in tier
- - Liquidity Overhang: Bottom 22.4% in tier
- - Net Interest Margin 1.06% below tier average
- - Non-Interest-Bearing Deposit Share 16.42% below tier average
- - ROA 0.66% below tier average
- - Efficiency Ratio 11.50% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$5.5B
-1.9% YoY
-2.5% QoQ
|
+$2.6B |
$2.8B
-0.1% YoY
|
$6.8B
+9.3% YoY
|
$6.2B
+9.1% YoY
|
Top 12.9% in tier |
| Total Loans ? |
$4.4B
-3.6% YoY
-2.3% QoQ
|
+$2.4B |
$2.0B
+0.6% YoY
|
$2.4B
+16.6% YoY
|
$3.2B
+10.8% YoY
|
Top 9.5% in tier |
| Total Deposits ? |
$4.4B
+0.1% YoY
-1.6% QoQ
|
+$2.1B |
$2.3B
-0.3% YoY
|
$5.3B
+11.5% YoY
|
$4.8B
+8.2% YoY
|
Top 13.5% in tier |
| Return on Assets ? |
0.70%
+12.6% YoY
+0.3% QoQ
|
-0.66% |
1.37%
+19.6% YoY
|
0.49%
+59.0% YoY
|
1.23%
+13.4% YoY
|
17% |
| Net Interest Margin ? |
2.76%
+8.7% YoY
+1.0% QoQ
|
-1.06% |
3.82%
+6.9% YoY
|
3.03%
+10.0% YoY
|
3.89%
+5.7% YoY
|
Bottom 9.6% in tier |
| Efficiency Ratio ? |
72.56%
-0.9% YoY
+1.5% QoQ
|
+11.50% |
61.06%
-4.6% YoY
|
80.02%
-2.5% YoY
|
66.95%
-4.1% YoY
|
19% |
| Delinquency Rate ? |
0.44%
+44.0% YoY
+10.3% QoQ
|
-0.45% |
0.89%
+14.1% YoY
|
0.73%
+28.2% YoY
|
0.95%
+18.8% YoY
|
58% |
| Loan-to-Deposit Ratio ? |
100.05%
-3.7% YoY
-0.7% QoQ
|
+15.85% |
84.20%
+0.3% YoY
|
92.37%
-0.3% YoY
|
76.70%
+0.9% YoY
|
Bottom 13.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
4.87%
+13.9% YoY
-4.4% QoQ
|
-16.42% |
21.29%
-2.5% YoY
|
15.85%
-3.7% YoY
|
22.01%
-1.2% YoY
|
Bottom 4.6% in tier |
| Nonperforming Asset Ratio ? |
0.36%
+41.5% YoY
+10.6% QoQ
|
-0.32% |
0.67%
+15.6% YoY
|
0.58%
+29.6% YoY
|
0.67%
+19.3% YoY
|
57% |
| Tier 1 Capital Ratio ? |
18.09%
+9.3% YoY
+3.1% QoQ
|
+2.93% |
15.16%
+2.0% YoY
|
14.58%
+1.9% YoY
|
17.06%
+0.8% YoY
|
Top 11.2% in tier |
| Non-Interest Income / Assets ? |
0.17%
+8.2% YoY
-73.1% QoQ
|
-0.09% |
0.26%
+1.6% YoY
|
0.11%
+1.3% YoY
|
0.32%
+4.1% YoY
|
61% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (3)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.