# CAPE BANK
CAPE MAY COURT H, NJ · FDIC certificate 28395 · asset band $1-10B · latest filing 2016-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.59B | |
| Deposits | $1.24B | |
| Loans and leases | $1.18B | |
| Total equity | $164.0M | |
| Loans / deposits | 94.34% (p68 of band) | 86.87% |
| Liquid assets / assets | 17.86% (p34 of band) | |
| Uninsured deposits / deposits | 37.45% (p78 of band) | 25.28% |
| Brokered deposits | 0.72% | |
| Wholesale funding | 11.34% (p59 of band) | |
| FHLB advances / assets | 10.00% | |
| Tier 1 leverage | 8.64% (p21 of band) | 9.62% |
| Unrealized securities loss / equity | 0.61% (p27 of band) | 1.65% |
| AOCI / equity | 0.89% (p62 of band) | |
| ROA (annualized) | 0.82% (p39 of band) | 0.92% |
| Net interest margin | 3.76% (p72 of band) | 3.47% |
| Efficiency ratio | 58.20% (p29 of band) | |
| Noncurrent loans | 0.64% (p49 of band) | 0.66% |
| Net charge-offs (annualized) | 0.31% (p92 of band) | |
| Reserve coverage of noncurrent | 131.31% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 47.44% (p62 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | 65.2% | |
| Employees | 260 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | loans exceed deposits, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 2 |  | loans exceed deposits |
| 2011-09 | 3 | charge-offs p90 |  |
| 2011-12 | 3 | capital falling | wholesale funding >15% |
| 2012-03 | 2 | wholesale funding >15% | charge-offs p90, capital falling |
| 2012-06 | 1 |  | wholesale funding >15% |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 2 | capital falling |  |
| 2013-12 | 1 | wholesale funding >15% | reserve under noncurrent, capital falling |
| 2014-03 | 3 | charge-offs p90, reserve under noncurrent |  |
| 2014-06 | 2 |  | reserve under noncurrent |
| 2014-09 | 0 |  | wholesale funding >15%, charge-offs p90 |
| 2014-12 | 0 |  |  |
| 2015-03 | 3 | loans exceed deposits, wholesale funding >15%, deposits shrinking |  |
| 2015-06 | 1 | reserve under noncurrent | loans exceed deposits, wholesale funding >15%, deposits shrinking |
| 2015-09 | 1 | capital falling | reserve under noncurrent |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 | charge-offs p90 | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2014-09-11 [Vineland-based bank to merge with Cape Bancorp - thedailyjournal.com](https://news.google.com/rss/articles/CBMirAFBVV95cUxQejZvdHVaenpSQWZZSXA0NGtIY3MyZ20zNzNXSy1KRmF3V1ZsOGhuZjU2LW4xa0t5LU1rR0ptSHhsZ1ViejY2di1RbDZrRVJnU1M0cEV4TGdXSnEtYngxYjJPWkI1V0ZoN1NxOThPbGNHTjFMeW9HWXpsZXR1bU5wcm8zRlBKT1pQUVhaWi1uSGFtUDlCVXNZOFU3LThDOXgyaE1rSS15OTFyLXNv?oc=5) · thedailyjournal.com
- 2015-04-01 [Cape Bancorp, Inc. Announces Completion of Merger With Colonial Financial Services, Inc. of Vineland, NJ - GlobeNewswire](https://news.google.com/rss/articles/CBMihAJBVV95cUxNUTdIVzl2S09yY0FiWEZsV1VtRF9CSldhUnIyRTFuOUJKbkFqN3pDWkplS3lsTzhSRUVaRjJmVHVnOWRTMmJwdHlzNnpRbXlHb09ES2M1Sk0zemRFUUYxbWl2TFdoVTVuUTNnN09PSndTU3ZpQmVzZFJKd1YtbDR6VmNINHBtY29UeWE3OVpfdko1OFBreFNZMnZHWnl3OUE4cUlSN05wRDNBNElzamhMYXFITGYzSVpxZGNMZXYtdFhKay02SmU5R3dCZllQejZ2VDB5QURTSkRvX2MtSVo0Y0FBZHZuaWpxZldvT3p0MWNoTUNjU01XSTJRTmNRTnpDRDcycg?oc=5) · GlobeNewswire
- 2025-08-29 [Mid Penn Bank Hires Jaime Hamilton to Support Commercial Lending Efforts in Central New Jersey - BUCKSCO.Today](https://news.google.com/rss/articles/CBMia0FVX3lxTE4wWVNfZ1JuLS1HQkJ0VnRHUlpwTHdHTVBXeHlNMktZTHBIeFZqNEZXWWtPRnh3UTV3Mlk4R2NIcURvU0JPdnBMTU1tY0tZRXhwVWlBY1hqUk1mYjQyazVoUy1sSjBSOFFYTTJZ?oc=5) · BUCKSCO.Today
- 2017-09-07 [K. Hovnanian leaving Red Bank, OceanFirst replacing it - Asbury Park Press](https://news.google.com/rss/articles/CBMiswFBVV95cUxPaEV3OXZHblhTTVBxY3lFalNFeDdaWVdibXFzYnprdUYzblRzQzBuc3JkVVhTUjVKUWFGU3l4bkxpSFZ6NWRjUDNsQWdoYUFaTkMzZkFQV21TTDQ5WkI4cC15dEFaZzRNblVpaDNWdXpoMjVaSUFBUzBwVzZtOGU5N1pPMFJMYzNDWDJxaEc0LVBrOFFTb0VHdUs2djJGRXpGZjdITnptYUVKTHpQY2J0LWV6TQ?oc=5) · Asbury Park Press
- 2015-07-01 [Philly Man Allegedly Robs Same Atlantic City Bank 5 Years Later - CBS News](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOem9NcExjeEM1OEZ5UGpCaG05TmZwZzgwX1I3OWhCaUJjbEQ5bzc4cG5lZVNtTF9Td2Y4MjJneFB5UVg1TkI4V3IweFR3WS0tWHl0S0tYLXlJZGpGSVZvVTc2eEhnekE2UC03dE9HVGY3OV9IaEdFRngxOGhuZHN5d3VYeUtqLXZiTl9SbEFLUEtVVE03TGdOWWVEWElybkJ6VWZfeVl5WWtrZw?oc=5) · CBS News
- 2017-12-08 [Margate Planning Board To Consider Mini-Golf, Again. - Downbeach BUZZ](https://news.google.com/rss/articles/CBMid0FVX3lxTE1vc0NiRTM0ME44NV80ZVpBSnNPV3RxOS12N2lIT0t5aW5GS2VOWXBDLWRIU0hCVjRRbjZneWt1Uzh0REMxTm9hZVlzRFNtMFdiYmJubU5VaFdtZkpsSWxjV05YZGJRQ3MwU29VeXJYTTdBaV9BZERz?oc=5) · Downbeach BUZZ
- 2017-02-06 [Appellate Court Denies Bank Robber's Petition - Cape May County Herald](https://news.google.com/rss/articles/CBMi5wFBVV95cUxPWFJrYXNXQy1nQ0lCbEIxajVKRU9fbEVvREtQVXpRb1pGYW9uUndlNDUtNFB2ZDU0NTV1VmlXaVUyOUhPLXczTmZveEt5SzRYRHJHUU1YWFlXV3JvNWN6amhaOXRDWVFWVjljeDZuTXF0OVhCTy14eURpVElRN2c2a1ZPNXFJTGFzcVRQQmxHRVRrclZIdWd6WU9Gb2dEeVVOdUlEa0g1OFRNQm0zbE4wbHYwaDNZaDJlZDVXelNTcDBuVHpJdzVSY20yWnR1SnRVVkxIMzZOOVVBYW5ZaTY5am5vZ0VSRkU?oc=5) · Cape May County Herald
- 2016-01-29 [OceanFirst aims to conquer South Jersey banking - Asbury Park Press](https://news.google.com/rss/articles/CBMigwFBVV95cUxNM25PZHhad1V2NXBaR29FenQ0ZDdkNnZ2cm85bjFubVFVOXJxMVBUMzJPTG1IUHlqSW9NLUhjZTV0WTA0elVmc0ZGZmJoVC0td0xELVNhWnVVS3h1ZlZWSGxoNXlQMnlOOVpjdnNQMXBOY2JBV29rTWhXMURiQWVUZ0FlYw?oc=5) · Asbury Park Press

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28395 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/43.json (key "28395", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide