🏦Bank Scorer

THE CAPE COD FIVE CENTS SAVINGS BANK

HYANNIS, MA · Supervised by FDIC

Est. 1855FDIC #23,287RSSD: FDIC-23287
Part ofMUTUAL BCORP→ View all charters
Outstanding Same

Current rating · Exam: June 2024

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.70%

Institution Profile

FDIC BankFind

Address

1500 Iyannough Rd, HYANNIS, MA

County

Barnstable County

Established

March 16, 1855

Total Assets

$5.5B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

June 1, 2024

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jun 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$5.5B

Total Deposits

$4.4B

Net Loans

$4.4B

Net Income

$10M

ROA

0.70%

ROE

6.68%

Risk-Based Capital

18.77%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate10.19%Peer avg: 9.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

23

Branch Deposits

$4.5B

1-Year Change

-1

5-year net change: -1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20242,83671.02%10.19%
20233,07873.55%8.90%
20224,59177.65%7.80%
20214,91479.89%6.08%
20205,16578.33%5.98%
20194,13281.7%5.64%
20183,53879.51%8.56%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

11 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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