FDIC Cert #23287 · Hyannis, Massachusetts · Est. 1855

The Cape Cod Five Cents Savings Bank - FDIC Bank Health Profile

A community-scale look at The Cape Cod Five Cents Savings Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$5.6B
Total assets
B
Health grade · Good
0.70%
Return on assets
17.5%
Tier 1 capital

Data updated July 2026

The verdict

The Cape Cod Five Cents Savings Bank earns a PlainBankData health grade of B (78/100), with well-capitalized at 17.55% Tier 1, 0.70% ROA, 71% efficiency ratio.

#266
largest of 4,313 FDIC banks by assets
94th
percentile by asset size, nationally
17.55%
Tier 1 ratio - above the 10% well-capitalized line
24th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 23287 · MA B · 78/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-REGIONAL · BOOK-FULL

  • GRADE-B B (78/100)
  • MID-PACK #2148/4307
  • PHOTO-FINISH Bankers' Bank · WI
  • TIER1-WELL 17.5% Tier 1
  • TEXAS-CLEAN 3.0% Texas
  • ROA-THIN 0.70% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Massachusetts: Bankers' Bank, WI (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around The Cape Cod Five Cents Savings Bank

Lowest and highest poles plus nearest scored peers outside Massachusetts, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Anahuac National Bank · TX ·…78/100Bankers' Bank · WI · near78/100First Citizens Bank… · MT · …78/100Southwest Missouri B… · MO ·…78/100The Cape Cod Five Ce… · MA ·…78/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The Cape Cod Five Cents Savings Bank · July 2026

Plate reading for The Cape Cod Five Cents Savings Bank where failures stay rare

The Cape Cod Five Cents Savings Bank (FDIC Cert #23287) carries a PlainBankData health grade of B at 78/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,148 of 4,307. Tier 1 capital prints at 17.55%, clearing the 10% well-capitalized line. The Texas Ratio is 3.01%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.70%. Balance-sheet scale is $5.6B, 266th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Bankers' Bank (WI), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around The Cape Cod Five Cents Savings Bank

Only 1 FAILURE resolution in Massachusetts since 2000

The Cape Cod Five Cents Savings Bank is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (1 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • BUTLER BANK LOWELL, MA 2010 → PEOPLE'S UNITED BANK
  • COMMERCIAL BANK AND TRUST COMPANY LOWELL, MA 1994 → MEDFORD SAVINGS BANK
  • LUDLOW SAVINGS BANK LUDLOW, MA 1994 → ALBANY SAVINGS BANK FSB

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Massachusetts banks.

How The Cape Cod Five Cents Savings Bank's 78/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10078/100
The Cape Cod Five Cents Savings Bank's composite health score
Tier 1 Capital Ratio (17.55%) 40/40
Return on Assets (ROA) (0.70%) 14/25
Texas Ratio (3.01%) 20/20
Efficiency Ratio (71.45%) 4/15

78 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$5.6B

Total balance-sheet footings

Total Deposits

$4.5B

Customer-funded liabilities

Net Loans

$4.5B

Outstanding loan book

Net Income

$40M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% 21% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 16.15% 17.55% 18.95%
Basel III capital ratios - The Cape Cod Five Cents Savings Bank

Where The Cape Cod Five Cents Savings Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Cape Cod Five Cents Savings Bank's score of 78/100 falls in the highlighted band.

The Cape Cod Five Cents Savings Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

78 Top 50% higher than 50% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. The Cape Cod Five Cents Savings Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

The Cape Cod Five Cents Savings Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The Cape Cod Five Cents Savings Bank's $5.6B falls in the highlighted band.

Safety metrics: The Cape Cod Five Cents Savings Bank

Tier 1 capital ratio
Well-capitalized 10%

17.55% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
17.55%
Texas Ratio
3.01%
Equity Capital
$578M

What these ratios mean →

Profitability metrics: The Cape Cod Five Cents Savings Bank

Return on Assets (ROA)
24th percentile nationally
0.70%
Return on Equity (ROE)
7.08%
Efficiency Ratio
71.45%

What these mean →

Income & expense at The Cape Cod Five Cents Savings Bank

$252M
Interest Income
$35M
Non-Interest Income
$128M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. The Cape Cod Five Cents Savings Bank reports a Texas Ratio of 3.01% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

3.01% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View The Cape Cod Five Cents Savings Bank on FDIC BankFind →

Top banks in Massachusetts by total assets

Largest banks headquartered in Massachusetts
  1. 1
    State Street Bank and Trust Company $360.7B

    Boston, MA · Grade A

  2. 2
    Eastern Bank $30.6B

    Boston, MA · Grade B

  3. 3
    Rockland Trust Company $24.9B

    Rockland, MA · Grade A

  4. 4
    Beacon Bank and Trust $23.2B

    Brookline, MA · Grade B

  5. 5
    Salem Five Cents Savings Bank $8.5B

    Salem, MA · Grade A

Top 5 banks in Massachusetts ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($5.6B here), outside Massachusetts so the neighborhood is not state containment.

Great Southern Bank $5.6B · MO CTBC Bank Corp. (USA) $5.6B · CA First Internet Bank of Indiana $5.5B · IN Orrstown Bank $5.5B · PA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Cape Cod Five Cents Savings Bank (FDIC Cert #23287) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

The Cape Cod Five Cents Savings Bank Call Report profile · FDIC Failed Bank List · Massachusetts FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Massachusetts

All Massachusetts banks →
BankAssetsGradeROA
State Street Bank and Trust CompanyBoston $360.7B A 0.83%
Eastern BankBoston $30.6B B 0.39%
Rockland Trust CompanyRockland $24.9B A 1.03%
Beacon Bank and TrustBrookline $23.2B B 0.63%
Salem Five Cents Savings BankSalem $8.5B A 0.89%
Cambridge Savings BankCambridge $6.9B B 0.97%
Needham BankNeedham $6.9B B 0.90%
Middlesex Savings BankNatick $6.2B B 0.54%