Bank of Cape Cod

1582 Iyanough Road
Hyannis, MA 02601

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 58270
Date Established 2006
Assets $0.26 billion
Loans $0.23 billion
Deposits $0.20 billion
Capital $0.03 billion

Bank of Cape Cod is an FDIC insured institution located in Hyannis, MA. It was founded in 2006 and has approximately $0.26 billion in assets. Customers can open an account at one of its 3 branches.

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.

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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 19.73
Multifamily
Mortgages
4.45
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

Deposit Rates - June 20, 2019

Your Current Location: Washington, WA 98109

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

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Loan Rates - June 20, 2019

Your Current Location: Washington, WA 98109

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:

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Third Federal Savings and Loans
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Figure Home Equity Line
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Note to Bank of Cape Cod
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Branches

Bank of Cape Cod branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Bank of Cape Cod Locations


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 BestCashCow.com 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% 6.97%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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 December 31, 2018, 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% 8.80%

Bank of Cape Cod has a Return on Equity of 3.69% versus the BestCashCow average of 8.80%. 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.

Capitalization
Bank of Cape Cod U.S. Bank Average
10.38% 12.29%

Bank of Cape Cod has a Capitalization of 10.38% versus the BestCashCow average of 12.29. 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

December 31, 2018
ASSETS
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.23 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.00 billion
LIABILITIES
Total deposits $0.20 billion
      Interest-bearing deposits $0.00 billion
      Deposits held in domestic offices $0.00 billion
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.00 billion
      Shareholders’ Equity $0.26 billion

Summary Income Statement

December 31, 2018
INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About Bank Of Cape Cod

Branches and Savings

Is Bank Of Cape Cod FDIC insured?

Yes. It is covered under FDIC Certificate #58270.

Why does Bank Of Cape Cod pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Bank Of Cape Cod CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Bank Of Cape Cod a commercial bank?

Yes

Where are Bank Of Cape Cod locations?

See branch locations nearby.

Is Bank Of Cape Cod open on Saturdays?

Is Bank Of Cape Cod open on Sundays?

What time does Bank Of Cape Cod open?

What time does Bank Of Cape Cod close?

Are Bank Of Cape Cod ATMs Open 24/7?

Do Bank Of Cape Cod ATMs accept cash deposits?

Can Bank Of Cape Cod customers use other ATMs?

Do Bank Of Cape Cod branches have notaries?

Will Bank Of Cape Cod notarize my document?

What address for Bank Of Cape Cod should I put for incoming ACH transfers?

Will the Bank Of Cape Cod branch print checks?

Do Bank Of Cape Cod checks expire?

Does Bank Of Cape Cod require US citizenship to open account?

Can Bank Of Cape Cod close my account?

Does Bank Of Cape Cod Report to credit bureaus?

Does Bank Of Cape Cod Use Equifax?

What is Bank Of Cape Cod's ACH Routing Number?

What is Bank Of Cape Cod's SWIFT code?

Products

Does Bank Of Cape Cod offer mortgages?

Compare mortgage rates here.

Does Bank Of Cape Cod offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bank Of Cape Cod offer personal loans?

Compare personal loan rates here.

Does Bank Of Cape Cod offer student loans?

Will Bank Of Cape Cod cash a check?

Will Bank Of Cape Cod redeem a savings bond?

Does Bank Of Cape Cod cash savings bonds?

Will Bank Of Cape Cod cash money orders?

Can Bank Of Cape Cod issue a money order?

Does Bank Of Cape Cod do currency exchange?

Background on The Bank

Who owns Bank Of Cape Cod?

How long has Bank Of Cape Cod been around?

Can Bank Of Cape Cod transfer to other banks?

Does Bank Of Cape Cod have quick pay?

Does Bank Of Cape Cod accept rolled coins?

Will Bank Of Cape Cod accept loose change?

Where is Bank Of Cape Cod headquarters?

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