Bank of Cape Cod


1582 Iyanough Road
Hyannis, MA 02601
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Notable Rates APY Vs.Others
Savings N.A. 6.25% →
1-Year CD N.A. 5.77% →
2-Year CD N.A. 5.35% →
5-Year CD N.A. 5.55% →
30-Year Mortgage N.A. 0.00% →
15-Year Mortgage N.A. 0.00% →
HELOC N.A. 0.99% →

2023 Overview

General Bank Information

Bank of Cape Cod is an FDIC insured institution located in Hyannis, MA. It was founded in 0000 and has approximately $0.26 billion in assets. Customers can open an account at one of its 3 branches.

FDIC Insured Yes
FDIC Certificate # 58270
Date Established 0000
Assets $ 260.98 million
Loans $ 232.74 million
Deposits $ 197.32 million
Capital $ 27.08 million

For a more detailed analysis of Bank of Cape Cod's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 3, 2023

Your Current Location: Virginia, VA 20146

There are currently no rates available for Bank Of Cape Cod, but see these great savings and CD rates:

Advertiser Disclosure

Loan Rates - October 3, 2023

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Bank of Cape Cod

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2023

Lender APR Rate (%) Monthly
Learn More
District Lending
NMLS ID: 598623
7.212% 7.125%
0.63 points
$2,800 fees
$2,156 Learn More
NMLS ID: Not a Lender

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CrossCountry Mortgage, LLC
NMLS ID: 3029

Learn More
NMLS ID: Not a Lender

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Featured - Virginia Home Equity Line Of Credit Rates 2023

Lender APR (%)? Monthly Payment? Learn More

Note to Bank of Cape Cod
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Climate Initiatives

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Financial Details

Bank of Cape Cod Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of Cape Cod. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Bank of Cape Cod U.S. Bank Average
9.64% 3.82%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2023, Bank of Cape Cod had $180,000 in non-current loans and $2,650,000 in owned real estate. To cover these potential losses it had $27,081,000 in equity and $2,283,000 in loans loss reserves. That gives it a Texas Ratio of 9.64%.

Return on Equity
Bank of Cape Cod U.S. Bank Average
3.69% 13.18%

Bank of Cape Cod has a Return on Equity of 3.69% versus the BestCashCow average of 13.18%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Bank of Cape Cod U.S. Bank Average
10.38% 10.43%

Bank of Cape Cod has a Capitalization of 10.38% versus the BestCashCow average of 10.43. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Bank of Cape Cod Balance Sheet Analysis

As of June 30, 2016, Bank of Cape Cod had assets of $261,859,000, loans of $232,744,000, and deposits of $197,317,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2023
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 232.74 million
Loan loss allowance $ 2.28 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 2.65 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 197.32 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 260.98 million

Summary Income Statement

June 30, 2023
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Bank of Cape Cod’s loan portfolio are Commercial Real Estate, Small Business Loans, and 1-4 Family Residential Loans.

Compared to other banks in Massachusetts, Bank of Cape Cod has a significantly higher percent of Small Business Loans, Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 19.73
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 30.81
Construction and Development Loans 1.35
Commercial Real Estate 59.62
Commercial and Industrial Loans 14.69
Farm Loans 0.00

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