Cape Bank


225 North Main Street
Cape May Court House, NJ 08210
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.65% →
1-Year CD N.A. 0.70% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

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.

FDIC Insured Yes
FDIC Certificate # 28395
Date Established 1923
Assets $ 1,089.15 million
Loans $ 772.13 million
Deposits $ 752.15 million
Capital $ 133.11 million

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.

Deposit Rates - July 29, 2021

Your Current Location: Connecticut, CT 06828


Loan Rates - July 29, 2021

Your Current Location: Connecticut, CT 06828

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 - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
2.565% 2.500%
0.88 points
$2,135 fees
$988 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
BMO Harris Bank
BMO Harris Bank
See Table
4.840 %
$0 Learn More
More Info

Note to Cape Bank
To upload and update your bank's rates please register. It is free to register and add rates.


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.

Your Location:

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% 5.29%

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 March 31, 2021, 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%.

Return on Equity
Cape Bank U.S. Bank Average
3.66% 11.43%

Cape Bank has a Return on Equity of 3.66% versus the BestCashCow average of 11.43%. 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% 11.51%

Cape Bank has a Capitalization of 12.22% versus the BestCashCow average of 11.51. 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.

Summary Balance Sheet

March 31, 2021
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 $ 772.13 million
Loan loss allowance $ 9.16 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 4.67 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 752.15 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 $ 1,089.15 million

Summary Income Statement

March 31, 2021
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 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

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

  • 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.

Add Your Review

Rate it here →