BlastPoint's Banking Scorecard

Cape & Coast Bank

$1B-$10B Specialty: Commercial MA FDIC cert 26517

Designations: ✓ Community bank

Yarmouth Port, MA

11 branches across MA

884 banks in the $1B-$10B peer group nationally 46 in MA

Cape & Coast Bank faces 6 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 9.0% in tier
- Efficiency Drag: Bottom 39.2% in tier
- Return on Assets 0.92% below tier average
- Loan-to-Deposit Ratio 19.75% above tier average
- Net Interest Margin 0.92% below tier average
- Delinquency Rate 0.15% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Total Assets ?	$1.7B +3.0% YoY +0.2% QoQ	-$1.1B	$2.8B -0.1% YoY	$6.8B +9.3% YoY	$6.2B +9.1% YoY	41%
Total Loans ?	$1.5B +4.1% YoY +0.2% QoQ	-$513.6M	$2.0B +0.6% YoY	$2.4B +16.6% YoY	$3.2B +10.8% YoY	52%
Total Deposits ?	$1.4B +1.8% YoY +4.4% QoQ	-$947.2M	$2.3B -0.3% YoY	$5.3B +11.5% YoY	$4.8B +8.2% YoY	41%
Return on Assets ?	0.45% +91.5% YoY -5.8% QoQ	-0.92%	1.37% +19.6% YoY	0.49% +59.0% YoY	1.23% +13.4% YoY	Bottom 8.1% in tier
Net Interest Margin ?	2.90% +11.7% YoY +3.3% QoQ	-0.92%	3.82% +6.9% YoY	3.03% +10.0% YoY	3.89% +5.7% YoY	Bottom 13.7% in tier
Efficiency Ratio ?	80.32% -10.7% YoY +0.6% QoQ	+19.26%	61.06% -4.6% YoY	80.02% -2.5% YoY	66.95% -4.1% YoY	Bottom 8.1% in tier
Delinquency Rate ?	1.04% -3.2% QoQ	+0.15%	0.89% +14.1% YoY	0.73% +28.2% YoY	0.95% +18.8% YoY	26%
Loan-to-Deposit Ratio ?	103.95% +2.2% YoY -4.0% QoQ	+19.75%	84.20% +0.3% YoY	92.37% -0.3% YoY	76.70% +0.9% YoY	Bottom 8.0% in tier
Non-Interest-Bearing Deposit Share ?	12.54% +1.6% YoY -4.5% QoQ	-8.75%	21.29% -2.5% YoY	15.85% -3.7% YoY	22.01% -1.2% YoY	18%
Nonperforming Asset Ratio ?	0.90% -3.2% QoQ	+0.23%	0.67% +15.6% YoY	0.58% +29.6% YoY	0.67% +19.3% YoY	24%
Tier 1 Capital Ratio ?	9.57% +2.3% YoY +0.5% QoQ	-5.59%	15.16% +2.0% YoY	14.58% +1.9% YoY	17.06% +0.8% YoY	Bottom 1.9% in tier
Non-Interest Income / Assets ?	0.07% -14.3% YoY -85.5% QoQ	-0.19%	0.26% +1.6% YoY	0.11% +1.3% YoY	0.32% +4.1% YoY	17%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Capital Thin

risk

#21 of 221 • Bottom 9.0% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 9.57%

(Tier: 15.16%, National: 17.06%)

worse than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ

Efficiency Drag

risk

#30 of 74 • Bottom 39.2% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 80.32%

(Tier: 61.06%, National: 66.95%)

worse than tier avg

74 of 74 Mid-Market banks match · 492 nationally

→ Stable

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (8 metrics)

868

Tier 1 Capital Ratio

capital

Value: 9.57%

Peer Median: 15.16%

#868 of 884 Bottom 1.9% in $1B-$10B

814

Loan-to-Deposit Ratio

liquidity

Value: 103.95%

Peer Median: 84.20%

#814 of 884 Bottom 8.0% in $1B-$10B

813

Efficiency Ratio

profitability

Value: 80.32%

Peer Median: 61.06%

#813 of 884 Bottom 8.1% in $1B-$10B

813

Return on Assets

profitability

Value: 0.45%

Peer Median: 1.37%

#813 of 884 Bottom 8.1% in $1B-$10B

764

Net Interest Margin

profitability

Value: 2.90%

Peer Median: 3.82%

#764 of 884 Bottom 13.7% in $1B-$10B

733

Non-Interest Income / Assets

revenue_mix

Value: 0.07%

Peer Median: 0.26%

#733 of 884 Bottom 17.2% in $1B-$10B

725

Non-Interest-Bearing Deposit Share

funding

Value: 12.54%

Peer Median: 21.29%

#725 of 884 Bottom 18.1% in $1B-$10B

675

Nonperforming Asset Ratio

credit_quality

Value: 0.90%

Peer Median: 0.67%

#675 of 884 Bottom 23.8% in $1B-$10B