BlastPoint's Banking Scorecard
The Cape Cod Five Cents Savings Bank
Hyannis, MA
23 branches across MA
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 46 in MA.
- Deposits +1.4% year over year ($4.6B on the books).
- Delinquency rate 0.47%.
- Return on assets 0.74%.
- Efficiency ratio 71.81% vs a 59.73% peer average.
- Loan-to-deposit ratio 95.26% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
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 0.40% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 4.2% in tier
- - Flatlined Growth: Bottom 13.0% in tier
- - Liquidity Overhang: Bottom 27.9% in tier
- - Net Interest Margin 1.09% below tier average
- - Non-Interest-Bearing Deposit Share 14.41% below tier average
- - ROA 0.65% below tier average
- - Efficiency Ratio 12.08% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$5.6B
-0.3% YoY
+2.9% QoQ
|
+$2.8B |
$2.8B
-0.6% YoY
|
$7.0B
+13.2% YoY
|
$6.3B
+7.7% YoY
|
Top 11.2% in tier |
| Total Loans ? |
$4.3B
-5.1% YoY
-1.2% QoQ
|
+$2.4B |
$2.0B
-0.3% YoY
|
$2.5B
+16.1% YoY
|
$3.2B
+9.4% YoY
|
Top 10.3% in tier |
| Total Deposits ? |
$4.6B
+1.4% YoY
+3.8% QoQ
|
+$2.2B |
$2.3B
-0.5% YoY
|
$5.6B
+14.9% YoY
|
$4.9B
+7.3% YoY
|
Top 12.3% in tier |
| Return on Assets ? |
0.74%
+15.6% YoY
+5.1% QoQ
|
-0.65% |
1.39%
+17.0% YoY
|
0.66%
+38.5% YoY
|
1.30%
+12.1% YoY
|
15% |
| Net Interest Margin ? |
2.78%
+6.8% YoY
+0.7% QoQ
|
-1.09% |
3.87%
+6.2% YoY
|
3.05%
+8.7% YoY
|
3.95%
+4.9% YoY
|
Bottom 8.1% in tier |
| Efficiency Ratio ? |
71.81%
-1.5% YoY
-1.0% QoQ
|
+12.08% |
59.73%
-12.6% YoY
|
79.07%
-1.9% YoY
|
70.05%
+2.5% YoY
|
18% |
| Delinquency Rate ? |
0.47%
+24.9% YoY
+5.8% QoQ
|
-0.40% |
0.87%
+11.7% YoY
|
0.74%
+5.8% YoY
|
0.98%
+16.3% YoY
|
55% |
| Loan-to-Deposit Ratio ? |
95.26%
-6.4% YoY
-4.8% QoQ
|
+10.22% |
85.04%
-0.1% YoY
|
91.41%
-1.2% YoY
|
79.03%
+2.3% YoY
|
25% |
| Non-Interest-Bearing Deposit Share ? |
6.86%
+45.6% YoY
+41.0% QoQ
|
-14.41% |
21.27%
-1.5% YoY
|
16.01%
-3.7% YoY
|
21.98%
-0.6% YoY
|
Bottom 6.3% in tier |
| Nonperforming Asset Ratio ? |
0.36%
+18.9% YoY
+1.6% QoQ
|
-0.31% |
0.67%
+11.7% YoY
|
0.59%
+7.5% YoY
|
0.69%
+15.8% YoY
|
56% |
| Tier 1 Capital Ratio ? |
18.18%
+9.3% YoY
+0.5% QoQ
|
+3.34% |
14.84%
-0.4% YoY
|
15.08%
+1.7% YoY
|
17.09%
+0.8% YoY
|
Top 11.0% in tier |
| Non-Interest Income / Assets ? |
0.34%
+11.7% YoY
+99.7% QoQ
|
-0.19% |
0.53%
+2.5% YoY
|
0.57%
+4.1% YoY
|
0.66%
+5.2% YoY
|
59% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
6.9%
+2.1pp YoY +2.0pp QoQ |
-14.5pp | 21.4% | 16.2% | 22.2% | 6% |
| Brokered Deposits | n/a | n/a | 9.5% | 6.1% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
2.6%
+0.3pp YoY +0.2pp QoQ |
-11.4pp | 14.0% | 6.5% | 12.5% | 8% |
| CRE |
18.6%
+0.6pp YoY +0.3pp QoQ |
-31.5pp | 50.0% | 40.3% | 41.4% | 3% |
| 1-4 Family |
77.4%
-0.2pp YoY -0.1pp QoQ |
+51.0pp | 26.4% | 52.4% | 31.3% | 98% |
| Consumer |
1.7%
-0.4pp YoY -0.1pp QoQ |
-3.0pp | 4.7% | 1.6% | 5.0% | 59% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
18.2%
+1.5pp YoY +0.1pp QoQ |
+2.6pp | 15.6% | 16.6% | 19.7% | 87% |
| Leverage Ratio |
11.1%
+0.8pp YoY +0.2pp QoQ |
-0.2pp | 11.3% | 11.5% | 12.6% | 62% |
| Total Capital Ratio |
18.8%
+1.5pp YoY +0.1pp QoQ |
+2.1pp | 16.7% | 17.5% | 20.8% | 86% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
368
-156 (-29.8%) YoY +39 (+11.9%) QoQ |
+54 | 313 | 755 | 482 | 75% |
| Assets per Employee ($) |
$15.3M
+42.0% YoY -8.0% QoQ |
+$4.8M | $10.5M | $10.7M | $8.8M | 90% |
| Branch Count |
23
0 YoY 0 QoQ |
+3 | 20 | 13 | 18 | 72% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.1% | 0.4% | n/a |
| Nonaccrual |
0.5%
+0.1pp YoY 0.0pp QoQ |
-0.4pp | 0.8% | 0.8% | 1.0% | 46% |
| Allowance Coverage |
1.04x
-22.4% YoY -8.2% QoQ |
-17.67x | 18.71x | 7.95x | 20.23x | 25% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.2% | 36% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.0%
+0.4pp YoY +0.3pp QoQ |
-5.6pp | 12.6% | 5.6% | 11.6% | 15% |
| Cost of Funds (YTD) |
1.8%
-0.3pp YoY 0.0pp QoQ |
-0.1pp | 1.9% | 2.0% | 1.7% | 46% |
| Net Income ($, YTD) |
$20.5M
+14.0% YoY — QoQ |
+$1.3M | $19.2M | $31.7M | $40.4M | 70% |
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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)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
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.