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Q2 2026 · read from the 30 June 2026 Call Report · United States · New England · Massachusetts, the state note

Cape Cod Five Cents Savings Bank

Hyannis, Massachusetts · $5.62B in assets · beside the 11 other Massachusetts banks between $3B and $10B

The filing

11.2%
CRE / loans
1st of 12
-5.1%
Loans, year over year
12th of 12, largest first
77.4%
CRE / capital
1st of 12

Cape Cod Five Cents Savings Bank is the fourth largest of the 12 Massachusetts banks nearest its size between $3B and $10B, with $5.62B in assets at 30 June 2026. Loans are 95.7% of deposits, 4th of 12 against a median of 102.7%, and equity is 10.6% of assets, 8th of 12. Loans grew -5.1% in the year, the slowest in the cohort, and deposits grew 1.4%; the cohort's median loan growth is +3.5%.

Noncurrent loans are 0.47% of the book, 5th of 12 against a median of 0.57%; 0.10% is 30 to 89 days past due, and the allowance covers them 1.0 times. Commercial real estate is 11.2% of loans, the lowest in the cohort against a median of 33.5%, and 77% of capital, below the 300% screen, with construction at 23% against the 100% screen.

Return on assets is 0.75%, 8th of 12 against a median of 0.92%, on an efficiency ratio of 71.8%, 8th of 12. Five years ago it was 1.27%. The question is which of these lines moves first over the next four quarters, and against which peer.

Commercial real estate, share of loansMA banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 33.5% CC Cape Cod Five Cents Savings Bank 11.2% Uf Unibank for Savings 19.0% IS Institution Savings Newburyport & 21.1% BC Bristol County Savings Bank 30.2% LB Leader Bank National Association 32.3% NB Northern Bank & Trust Co. 32.3% P Peoplesbank 34.8% TB Trunorth Bank 39.4% NB Needham Bank 40.5% MS Middlesex Savings Bank 44.4% CS Cambridge Savings Bank 45.0% HI Hingham Institution for Savings 71.6%
Loans, year over yearMA banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +3.5% NB Needham Bank +42.8% LB Leader Bank National Association +10.2% BC Bristol County Savings Bank +8.9% TB Trunorth Bank +7.5% MS Middlesex Savings Bank +6.4% NB Northern Bank & Trust Co. +3.8% P Peoplesbank +3.1% Uf Unibank for Savings +3.1% IS Institution Savings Newburyport & +2.6% CS Cambridge Savings Bank +0.9% HI Hingham Institution for Savings -0.7% CC Cape Cod Five Cents Savings Bank -5.1%

SBA 7(a), FY2008 to FY2026

Cape Cod Five Cents Savings Bank is the 30th largest 7(a) lender into Massachusetts of 309, with $44M across 314 loans, 0.7% of everything approved in the state (Eastern Bank leads with $778M). 1 of its 6 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Massachusetts, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Barnstable, MA$33M2nd of 8411.0%-3.0 pts
Nantucket, MA$7M1st of 1721.3%-8.0 pts
Plymouth, MA$4M34th of 1070.7%+0.0 pts
Providence, RI$750K65th of 990.1%quiet FY2021
Norfolk, MA$650K98th of 1450.1%thin
Dukes, MA$167K17th of 220.9%thin
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services78$12M26.5%0.02%519th of 2,596
Retail trade50$9M20.8%0.02%509th of 2,589
Administrative & waste services29$5M10.5%0.03%343rd of 1,763
Health care & social assistance12$4M8.3%0.01%653rd of 2,172
Other services28$2M4.9%0.01%839th of 2,248
7(a) lenders into Massachusetts, share of approvals since FY2008309 lenders on record; the ten largest and Cape Cod
EB Eastern Bank 12.2% $778M · 8,606 loans LO Live Oak Banking Company 6.9% $442M · 354 loans RT Rockland Trust Company 6.7% $426M · 1,996 loans TB TD Bank, National Association 4.6% $295M · 2,208 loans CB Citizens Bank, National Associati… 4.1% $261M · 1,649 loans BB Beacon Bank and Trust 3.8% $246M · 1,377 loans WB Webster Bank National Association 3.1% $202M · 579 loans SF Salem Five Cents Savings Bank 2.8% $179M · 667 loans Ma Manufacturers and Traders Trust C… 2.2% $142M · 794 loans LB Leader Bank, National Association 2.0% $126M · 675 loans TC The Cape Cod Five Cents Savings B… 0.7% $44M · 314 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Cape CodRankCohort median
Total CRE against capital, the 300% screen77%1st of 12212%
Construction against capital, the 100% screen23%3rd of 1226%
Construction and land development, share of loans3.3%4th of 124.2%
Non-owner-occupied nonfarm nonresidential, share of loans6.2%1st of 1218.3%
Total CRE, the guidance definition, share of loans11.2%1st of 1233.5%
CRE growth over 36 months, the third prong-3.6%1st of 12+7.5%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Needham Bank$7.42B1.0%59.3%0.43%0.45%1.3%102.6%10.9%
Cambridge Savings Bank$6.98B0.4%75.9%1.26%0.09%1.0%108.8%10.2%
Middlesex Savings Bank$6.15B0.7%68.2%0.33%0.01%0.9%73.2%13.1%
Cape Cod Five Cents Savings Bank$5.62B0.7%71.8%0.47%0.02%0.5%95.7%10.6%
Institution Savings Newburyport &$5.56B1.1%74.0%0.04%0.00%0.3%126.5%12.5%
Leader Bank National Association$5.28B0.9%63.4%0.03%0.00%1.0%102.9%10.5%
Peoplesbank$4.62B0.4%72.0%0.57%0.21%0.6%100.3%8.9%
Hingham Institution for Savings$4.56B1.2%36.3%0.78%0.00%0.8%150.5%11.1%
Northern Bank & Trust Co.$3.38B1.9%47.1%2.07%0.07%2.2%102.9%14.1%
Trunorth Bank$3.32B1.0%60.9%0.58%0.12%0.5%92.7%14.7%
Bristol County Savings Bank$3.26B0.6%77.5%0.60%0.06%0.9%103.5%14.4%
Unibank for Savings$3.11B1.0%58.1%0.62%0.01%1.4%83.6%7.6%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Cape CodCohort median
20212026Change20212026Change
Loans$3.47B$4.37B+26%$2.29B$3.86B+69%
Deposits$4.13B$4.56B+10%$2.46B$3.44B+40%
NPA / loans0.38%0.47%+0.08 pts0.45%0.57%+0.13 pts
Efficiency60.6%71.8%+11.2 pts62.2%65.8%+3.6 pts
ROA1.27%0.75%-0.52 pts1.12%0.92%-0.20 pts

This read was prepared for Cape Cod Five Cents Savings Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Cape Cod Five Cents Savings Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort MA banks $3B to $10B
Institution www.capecodfive.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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