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 in New Jersey, Cape Bank has a significantly higher percent of Small Business Loans 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 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

Loan Rates

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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% 8.87%

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 March 31, 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% 8.39%

Cape Bank has a Return on Equity of 3.66% versus the BestCashCow average of 8.39%. 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% 11.94%

Cape Bank has a Capitalization of 12.22% versus the BestCashCow average of 11.94%. 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.

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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