Cape Cod Five Cents Sb
Hyannis, Massachusetts · FDIC Cert #23287
Cape Cod Five Cents Sb is an FDIC-insured bank (Certificate #23287) with $5.8B in total assets and $4.4B in total deposits as of the Q2 2024 Call Report. Headquartered in Hyannis, Massachusetts, the bank maintains a Tier 1 capital ratio of 15.26% (Well-Capitalized) and a nonperforming loan ratio of 0.23%. BankHealthData assigns a composite Health Grade of B (73/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Cape Cod Five Cents Sb (FDIC cert 23287) is a mid-sized bank with $5.8B in total assets and $4.4B in deposits, based in Hyannis, Massachusetts. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is strong: Tier 1 capital ratio of 15.26% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is clean: non-performing loan ratio of 0.23% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is thin: 10.4% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is thin: ROA of 0.57% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Cape Cod Five Cents Sb carries a composite BankHealth grade of B (73/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Cape Cod Five Cents Sb
- Total Assets
- $5.8B
- Total Deposits
- $4.4B
- Tier 1 Capital Ratio
- 15.26%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.23%
- Liquidity Ratio
- 10.36%
- Return on Assets
- 0.57%
- Headquarters
- Hyannis, Massachusetts
- FDIC Certificate
- #23287
- Health Grade
- B (73/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Cape Cod Five Cents Sb holds a Tier 1 capital ratio of 15.26%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Cape Cod Five Cents Sb has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Cape Cod Five Cents Sb shows strong financial health indicators. With $5.8B in assets and a Health Score of 73/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Cape Cod Five Cents Sb Compares
Cape Cod Five Cents Sb’s Health Score of 73 is 5 points above the Massachusetts state average of 68 across 97 FDIC-insured banks. Its 15.26% Tier 1 capital ratio is 1.3 points above the US banking industry average near 14%. The 0.23% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.57% is below the national ROA benchmark of ~1.1%. Among 256 similarly-sized banks, the average Health Score is 73, meaning this bank ranks above its size cohort. Site-wide, Cape Cod Five Cents Sb is 3 points above the portfolio average of 70.
Frequently Asked Questions
Cape Cod Five Cents Sb has a Bank Health Score of B (73/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 15.26%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Cape Cod Five Cents Sb's Tier 1 capital ratio of 15.26% and nonperforming loan ratio of 0.23% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Cape Cod Five Cents Sb is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #23287). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Cape Cod Five Cents Sb holds $5.8B in total assets and $4.4B in total deposits. It is headquartered in Hyannis, Massachusetts (FDIC Certificate #23287).
Cape Cod Five Cents Sb has a Tier 1 capital ratio of 15.26%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.23%, and the return on assets is 0.57%.
Yes. Cape Cod Five Cents Sb is FDIC-insured (Certificate #23287). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Cape Cod Five Cents Sb's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.