Cape Bank

225 North Main Street
Cape May Court House, NJ 08210


General Bank Information

FDIC Insured Yes
FDIC Certificate # 28395
Date Established 1923
Assets $1.09 billion
Loans $0.77 billion
Deposits $0.75 billion
Capital $0.13 billion

Cape Bank is an FDIC insured institution located in Cape May Court House, NJ. It was founded in 1923 and has approximately $1.59 billion in assets. Customers can open an account at one of its 2 branches.

For a more detailed analysis of Cape Bank'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 Cape Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Small Business Loans.

Compared to other banks, Cape Bank’s loan portfolio does not show any specific loan specialty.

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 40.39
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 16.31
Construction and Development Loans 3.34
Commercial Real Estate 44.55
Commercial and Industrial Loans 7.28
Farm Loans 0.00

Deposit Rates

Your Current Location: Virginia, VA 20146

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

1.25% APY Online Savings Account from Ally Bank
1.60% APY 11 Month CD from Ally Bank

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Cape Bank

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 2017

Lender APR Rate (%) Points Fees Monthly
Learn More
Cornerstone Home Lending
NMLS ID: 119622
License#: MC-4673
3.896% 3.875% 0.25 $628 $1,176 Learn More
PenFed Credit Union
NMLS ID: 401822
3.832% 3.750% 0.00 $2,500 $1,158 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to Cape Bank
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Cape Bank 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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Cape Bank Locations

Financial Details

Cape Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Cape Bank. 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
Cape Bank U.S. Bank Average
9.31% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, Cape Bank had $8,579,000 in non-current loans and $4,672,000 in owned real estate. To cover these potential losses it had $133,114,000 in equity and $9,164,000 in loans loss reserves. That gives it a Texas Ratio of 9.31%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Cape Bank U.S. Bank Average
3.66% 8.58

Cape Bank has a Return on Equity of 3.66% versus the BestCashCow average of 8.58. 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.

Cape Bank U.S. Bank Average
12.22% 12.11

Cape Bank has a Capitalization of 12.22% versus the BestCashCow average of 12.11. 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.

Cape Bank Balance Sheet Analysis

As of March 31, 2015, Cape Bank had assets of $1,588,746,000, loans of $772,134,000, and deposits of $752,147,000. 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.

Frequently Asked Questions About Cape Bank

Branches and Savings

Is Cape Bank FDIC insured?

Yes. It is covered under FDIC Certificate #28395.

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

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

Why are Cape Bank CD rates not competitive?

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

Is Cape Bank a commercial bank?


Where are Cape Bank locations?

See branch locations nearby.

Is Cape Bank open on Saturdays?

Is Cape Bank open on Sundays?

What time does Cape Bank open?

What time does Cape Bank close?

Are Cape Bank ATMs Open 24/7?

Do Cape Bank ATMs accept cash deposits?

Can Cape Bank customers use other ATMs?

Do Cape Bank branches have notaries?

Will Cape Bank notarize my document?

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

Will the Cape Bank branch print checks?

Do Cape Bank checks expire?

Does Cape Bank require US citizenship to open account?

Can Cape Bank close my account?

Does Cape Bank Report to credit bureaus?

Does Cape Bank Use Equifax?

What is Cape Bank's ACH Routing Number?

What is Cape Bank's SWIFT code?


Does Cape Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Cape Bank offer personal loans?

Compare personal loan rates here.

Does Cape Bank offer student loans?

Will Cape Bank cash a check?

Will Cape Bank redeem a savings bond?

Does Cape Bank cash savings bonds?

Will Cape Bank cash money orders?

Can Cape Bank issue a money order?

Does Cape Bank do currency exchange?

Background on The Bank

Who owns Cape Bank?

How long has Cape Bank been around?

Can Cape Bank transfer to other banks?

Does Cape Bank have quick pay?

Does Cape Bank accept rolled coins?

Will Cape Bank accept loose change?

Where is Cape Bank headquarters?

Customer Reviews for Cape Bank

  • Wendy Simmons

    June 20, 2016 |

    The Cape Bank Branch in Millville is terrible. The people are rude, they laugh in your face if you ask a question and the manager backs them up. Also, they don't let you cash 3rd party checks. In other words I was cashing a check for my son you who recently started a new job and has not opened a bank account. It was a payroll check form his work. Now, the money was coming out of my account as everyone knows all checks are held until they clear. So why was it so difficult to cash this check against my account? TD Bank does this without question as long as you have an account with them of course. Cape Bank does not train their people. Had problems with sending money to my son when he was in Florida. No one knew how it worked. They also don't know how the bill pay partner they use works, even though they offer it. This is a terrible bank.

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