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

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 +2.1% year over year ($1.4B on the books).
Delinquency rate 0.95%.
Return on assets 0.52%.
Efficiency ratio 77.41% vs a 59.73% peer average.
Loan-to-deposit ratio 103.56% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

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

View $1B-$10B leaderboard (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 8.6% in tier
- Liquidity Strain: Bottom 49.3% in tier
- Return on Assets 0.87% below tier average
- Efficiency Ratio 17.69% above tier average
- Net Interest Margin 0.88% below tier average
- Delinquency Rate 0.08% above tier average

Get updates when Cape & Coast Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Total Assets ?	$1.7B +2.5% YoY +0.2% QoQ	-$1.1B	$2.8B -0.6% YoY	$7.0B +13.2% YoY	$6.3B +7.7% YoY	42%
Total Loans ?	$1.4B +2.0% YoY -0.2% QoQ	-$515.5M	$2.0B -0.3% YoY	$2.5B +16.1% YoY	$3.2B +9.4% YoY	52%
Total Deposits ?	$1.4B +2.1% YoY +0.1% QoQ	-$920.9M	$2.3B -0.5% YoY	$5.6B +14.9% YoY	$4.9B +7.3% YoY	42%
Return on Assets ?	0.52% +134.8% YoY +17.2% QoQ	-0.87%	1.39% +17.0% YoY	0.66% +38.5% YoY	1.30% +12.1% YoY	Bottom 8.0% in tier
Net Interest Margin ?	2.99% +14.0% YoY +3.1% QoQ	-0.88%	3.87% +6.2% YoY	3.05% +8.7% YoY	3.95% +4.9% YoY	Bottom 14.5% in tier
Efficiency Ratio ?	77.41% -14.0% YoY -3.6% QoQ	+17.69%	59.73% -12.6% YoY	79.07% -1.9% YoY	70.05% +2.5% YoY	Bottom 9.2% in tier
Delinquency Rate ?	0.95% -19.4% YoY -8.9% QoQ	+0.08%	0.87% +11.7% YoY	0.74% +5.8% YoY	0.98% +16.3% YoY	29%
Loan-to-Deposit Ratio ?	103.56% -0.1% YoY -0.4% QoQ	+18.53%	85.04% -0.1% YoY	91.41% -1.2% YoY	79.03% +2.3% YoY	Bottom 8.6% in tier
Non-Interest-Bearing Deposit Share ?	13.45% -0.8% YoY +7.2% QoQ	-7.82%	21.27% -1.5% YoY	16.01% -3.7% YoY	21.98% -0.6% YoY	21%
Nonperforming Asset Ratio ?	0.82% -19.7% YoY -9.3% QoQ	+0.14%	0.67% +11.7% YoY	0.59% +7.5% YoY	0.69% +15.8% YoY	27%
Tier 1 Capital Ratio ?	9.70% +3.3% YoY +1.3% QoQ	-5.14%	14.84% -0.4% YoY	15.08% +1.7% YoY	17.09% +0.8% YoY	Bottom 3.3% in tier
Non-Interest Income / Assets ?	0.14% -2.0% YoY +108.2% QoQ	-0.38%	0.53% +2.5% YoY	0.57% +4.1% YoY	0.66% +5.2% YoY	18%

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	13.5% -0.1pp YoY +0.9pp QoQ	-7.9pp	21.4%	16.2%	22.2%	21%
Brokered Deposits	4.6% +1.6pp YoY -0.7pp QoQ	-4.9pp	9.5%	6.1%	8.5%	46%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
C&I	3.1% 0.0pp YoY +0.1pp QoQ	-10.9pp	14.0%	6.5%	12.5%	10%
CRE	31.7% +2.9pp YoY +0.1pp QoQ	-18.3pp	50.0%	40.3%	41.4%	13%
1-4 Family	61.5% -0.7pp YoY +0.3pp QoQ	+35.1pp	26.4%	52.4%	31.3%	95%
Consumer	4.3% -2.1pp YoY -0.5pp QoQ	-0.4pp	4.7%	1.6%	5.0%	79%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	16.6%	19.7%	n/a
Leverage Ratio	9.7% +0.3pp YoY +0.1pp QoQ	-1.6pp	11.3%	11.5%	12.6%	28%
Total Capital Ratio	n/a	n/a	16.7%	17.5%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Full-Time Employees	158 -5 (-3.1%) YoY 0 QoQ	-156	313	755	482	25%
Assets per Employee ($)	$10.6M +5.7% YoY +0.2% QoQ	+$126K	$10.5M	$10.7M	$8.8M	70%
Branch Count	11 0 YoY 0 QoQ	-9	20	13	18	35%

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	0.9% -0.2pp YoY -0.1pp QoQ	+0.1pp	0.8%	0.8%	1.0%	72%
Allowance Coverage	0.71x +20.6% YoY +10.0% QoQ	-18.00x	18.71x	7.95x	20.23x	12%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.1%	0.2%	25%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
ROE	5.5% +3.1pp YoY +0.8pp QoQ	-7.1pp	12.6%	5.6%	11.6%	9%
Cost of Funds (YTD)	2.0% -0.3pp YoY 0.0pp QoQ	+0.1pp	1.9%	2.0%	1.7%	57%
Net Income ($, YTD)	$4.4M +141.4% YoY — QoQ	-$14.9M	$19.2M	$31.7M	$40.4M	9%

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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

#20 of 222 • Bottom 8.6% 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: 9.70%

(Tier: 14.84%, National: 17.09%)

worse than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable

Liquidity Strain

risk

#179 of 361 • Bottom 49.3% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 103.56%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

361 of 361 Mid-Market banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank improving

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 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (7 metrics)

857

Tier 1 Capital Ratio

capital

Value: 9.70%

Peer Median: 14.84%

#857 of 885 Bottom 3.3% in $1B-$10B

815

Return on Assets

profitability

Value: 0.52%

Peer Median: 1.39%

#815 of 885 Bottom 8.0% in $1B-$10B

810

Loan-to-Deposit Ratio

liquidity

Value: 103.56%

Peer Median: 85.04%

#810 of 885 Bottom 8.6% in $1B-$10B

805

Efficiency Ratio

profitability

Value: 77.41%

Peer Median: 59.73%

#805 of 885 Bottom 9.2% in $1B-$10B

758

Net Interest Margin

profitability

Value: 2.99%

Peer Median: 3.87%

#758 of 885 Bottom 14.5% in $1B-$10B

731

Non-Interest Income / Assets

revenue_mix

Value: 0.14%

Peer Median: 0.53%

#731 of 885 Bottom 17.5% in $1B-$10B

699

Non-Interest-Bearing Deposit Share

funding

Value: 13.45%

Peer Median: 21.27%

#699 of 885 Bottom 21.1% in $1B-$10B