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Seamen's Bank

$100M-$1B Specialty: Mortgage MA FDIC cert 90268

Designations: ✓ Mutual

Provincetown, MA

5 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 39 in MA.
  • Deposits -1.5% year over year ($405.4M on the books).
  • Delinquency rate 0.77%.
  • Return on assets 0.60%.
  • Efficiency ratio 80.62% vs a 64.48% peer average.
  • Loan-to-deposit ratio 89.57% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 39 in MA
View $100M-$1B leaderboard (MA) →

Seamen's Bank has 1 strength but faces 5 concerns

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

  • + Delinquency Rate 0.15% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 3.4% in tier
  • - Credit Quality Pressure: Bottom 32.6% in tier
  • - Efficiency Drag: Bottom 45.1% in tier
  • - ROA 0.72% below tier average
  • - Net Interest Margin 0.05% below tier average
Get updates when Seamen's 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 ? $478.5M
+2.2% YoY +2.0% QoQ
+$91.9M $386.6M
+1.2% YoY
$7.0B
+13.2% YoY
$6.3B
+7.7% YoY
70%
Total Loans ? $363.1M
+2.5% YoY +1.5% QoQ
+$104.7M $258.3M
+1.7% YoY
$2.5B
+16.1% YoY
$3.2B
+9.4% YoY
75%
Total Deposits ? $405.4M
-1.5% YoY +0.2% QoQ
+$78.6M $326.7M
+0.7% YoY
$5.6B
+14.9% YoY
$4.9B
+7.3% YoY
70%
Return on Assets ? 0.60%
+64.6% YoY -17.9% QoQ
-0.72% 1.32%
+10.8% YoY
0.66%
+38.5% YoY
1.30%
+12.1% YoY
15%
Net Interest Margin ? 3.94%
+12.7% YoY +0.5% QoQ
-0.05% 3.99%
+5.0% YoY
3.05%
+8.7% YoY
3.95%
+4.9% YoY
50%
Efficiency Ratio ? 80.62%
-7.7% YoY +6.0% QoQ
+16.14% 64.48%
-3.2% YoY
79.07%
-1.9% YoY
70.05%
+2.5% YoY
Bottom 13.1% in tier
Delinquency Rate ? 0.77%
+6.7% YoY +125.6% QoQ
-0.15% 0.92%
+15.7% YoY
0.74%
+5.8% YoY
0.98%
+16.3% YoY
35%
Loan-to-Deposit Ratio ? 89.57%
+4.1% YoY +1.4% QoQ
+11.61% 77.95%
+1.0% YoY
91.41%
-1.2% YoY
79.03%
+2.3% YoY
27%
Non-Interest-Bearing Deposit Share ? 20.32%
+5.0% YoY +4.9% QoQ
-1.71% 22.03%
-0.6% YoY
16.01%
-3.7% YoY
21.98%
-0.6% YoY
47%
Nonperforming Asset Ratio ? 0.58%
+7.0% YoY +124.7% QoQ
-0.09% 0.67%
+16.4% YoY
0.59%
+7.5% YoY
0.69%
+15.8% YoY
35%
Tier 1 Capital Ratio ? 12.57%
+3.8% YoY +1.2% QoQ
-3.34% 15.91%
+1.4% YoY
15.08%
+1.7% YoY
17.09%
+0.8% YoY
42%
Non-Interest Income / Assets ? 0.08%
-10.2% YoY +91.1% QoQ
-0.49% 0.57%
+7.6% YoY
0.57%
+4.1% YoY
0.66%
+5.2% YoY
Bottom 12.8% in tier

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 20.3%
+1.0pp YoY
+0.9pp QoQ
 -1.8pp 22.1% 16.2% 22.2% 46%
Brokered Deposits n/a n/a 7.9% 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 1.4%
0.0pp YoY
+0.1pp QoQ
 -10.1pp 11.6% 6.5% 12.5% 4%
CRE 28.6%
-4.6pp YoY
-1.9pp QoQ
 -11.0pp 39.5% 40.3% 41.4% 32%
1-4 Family 70.6%
+4.5pp YoY
+1.8pp QoQ
 +37.9pp 32.6% 52.4% 31.3% 94%
Consumer 0.0%
0.0pp YoY
0.0pp QoQ
 -4.1pp 4.1% 1.6% 5.0% 1%

Capital

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 16.6% 19.7% n/a
Leverage Ratio 12.6%
+0.5pp YoY
+0.1pp QoQ
 +0.4pp 12.2% 11.5% 12.6% 71%
Total Capital Ratio n/a n/a 19.9% 17.5% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Full-Time Employees 72
-4 (-5.3%) YoY
0 QoQ
 +13 58 755 482 72%
Assets per Employee ($) $6.6M
+7.9% YoY
+2.0% QoQ
 -$873K $7.5M $10.7M $8.8M 45%
Branch Count 5
0 YoY
0 QoQ
 0 4 13 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.1% 0.4% n/a
Nonaccrual 0.8%
0.0pp YoY
+0.4pp QoQ
 -0.2pp 0.9% 0.8% 1.0% 65%
Allowance Coverage 0.77x
-6.6% YoY
-56.4% QoQ
 -23.38x 24.15x 7.95x 20.23x 19%
Net Charge-off Rate (YTD) -0.0%
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 15%

Profitability

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
ROE 4.8%
+1.8pp YoY
-1.0pp QoQ
 -7.3pp 12.2% 5.6% 11.6% 13%
Cost of Funds (YTD) 1.4%
-0.3pp YoY
0.0pp QoQ
 -0.3pp 1.7% 2.0% 1.7% 28%
Net Income ($, YTD) $1.4M
+65.4% YoY
— QoQ
 -$1.1M $2.6M $31.7M $40.4M 39%

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 (3)

Credit Risk Growth

risk
#33 of 936 • Bottom 3.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Credit Quality Pressure

risk
#410 of 1256 • Bottom 32.6% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.77%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

Efficiency Drag

risk
#164 of 361 • Bottom 45.1% in tier

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

Why this signature
Efficiency Ratio: 80.62%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 banks QoQ

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

652
Total Loans
size
Value: $363.08M
Peer Median: $258.35M
#652 of 2643 Top 24.6% in $100M-$1B

Top Weaknesses (3 metrics)

2306
Non-Interest Income / Assets
revenue_mix
Value: 0.08%
Peer Median: 0.57%
#2306 of 2643 Bottom 12.8% in $100M-$1B
2299
Efficiency Ratio
profitability
Value: 80.62%
Peer Median: 64.48%
#2299 of 2643 Bottom 13.1% in $100M-$1B
2244
Return on Assets
profitability
Value: 0.60%
Peer Median: 1.32%
#2244 of 2643 Bottom 15.1% in $100M-$1B
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