← Back to Institutions
The Cape Cod Five Cents Savings Bank
Hyannis, MA·FDIC Cert #23287·Charter: STATE·Est. 18550316.0·HC: MUTUAL BCORP
Total Assets
$5.6B
Q4 2025
Return on Assets
0.70%
+0.00%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
71.45%
Peer avg: 57.4%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
49
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.70%+0.00
ROE
7.08%-0.03
Efficiency
71.45%+0.36
Equity/Assets
0.00%+0.00
NPL Ratio
0.40%+0.03
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
100.74%+3.08
Charge-offs
0.01%+0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.3 | 0.4 | 0.5 | 0.5 | 0.6 | 0.6 | 0.7 | 0.7 |
| ROE | 3.5 | 4.3 | 5.0 | 5.3 | 6.5 | 6.6 | 7.1 | 7.1 |
| Efficiency | 84.1 | 75.2 | 75.7 | 76.6 | 73.2 | 72.9 | 71.1 | 71.5 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.3 | 0.2 | 0.3 | 0.3 | 0.3 | 0.4 | 0.4 | 0.4 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 108.6 | 107.3 | 102.8 | 106.8 | 103.9 | 101.8 | 97.7 | 100.7 |
Balance Sheet
Total Assets$5.6B
Total Deposits$4.5B
Total Loans$4.5B
Total Equity$577.9M
Profitability
ROA0.70%
ROE7.08%
Efficiency Ratio71.45%
Net Income$39.5M
Risk & Asset Quality
NPL Ratio0.40%
Charge-off Rate0.01%
Loan/Deposit100.74%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans