# BANK OF CAPE COD
HYANNIS, MA · FDIC certificate 58270 · asset band <$300M · latest filing 2016-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $261.9M | |
| Deposits | $202.5M | |
| Loans and leases | $229.9M | |
| Total equity | $27.3M | |
| Loans / deposits | 112.42% (p97 of band) | 75.30% |
| Liquid assets / assets | 6.84% (p2 of band) | |
| Uninsured deposits / deposits | 24.19% (p83 of band) | 14.23% |
| Brokered deposits | 2.86% | |
| Wholesale funding | 13.71% (p89 of band) | |
| FHLB advances / assets | 10.31% | |
| Tier 1 leverage | 10.27% (p39 of band) | 10.87% |
| Unrealized securities loss / equity | 0.03% (p14 of band) | 1.65% |
| AOCI / equity | 0.02% (p21 of band) | |
| ROA (annualized) | 0.31% (p14 of band) | 0.88% |
| Net interest margin | 3.35% (p32 of band) | 3.67% |
| Efficiency ratio | 86.23% (p82 of band) | |
| Noncurrent loans | 0.08% (p21 of band) | 0.69% |
| Net charge-offs (annualized) | 0.00% (p33 of band) | |
| Reserve coverage of noncurrent | 1250.00% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 15.60% (p50 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -7.2% | |
| Employees | 24 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | brokered >10%, wholesale funding >15% |  |
| 2011-06 | 2 | reserve under noncurrent | brokered >10% |
| 2011-09 | 0 |  | wholesale funding >15%, reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 2 | wholesale funding >15%, capital falling |  |
| 2012-06 | 1 |  | wholesale funding >15% |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 | loans exceed deposits | capital falling |
| 2013-06 | 0 |  | loans exceed deposits |
| 2013-09 | 2 | loans exceed deposits, capital falling |  |
| 2013-12 | 0 |  | loans exceed deposits, capital falling |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 0 |  | capital falling |
| 2015-03 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 | capital falling | liquid assets <10% |
| 2015-12 | 2 | liquid assets <10% | capital falling |
| 2016-03 | 2 |  |  |
| 2016-06 | 3 | wholesale funding >15% |  |
| 2016-09 | 3 | deposits shrinking | wholesale funding >15% |

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

- 2025-09-24 [After more than a century, Cape Cod-based bank takes a new name - The Business Journals](https://news.google.com/rss/articles/CBMilAFBVV95cUxQVUgzdF81eC1STWloVzdNNHA5OVZ6ZEVfNlM5OXF3Z1VqR1JnTlo2aWpXcm9ydTdJeHhzVTdqQ05DMFpKTDduVUR6clhhREdzT0JrT1dUekUtMEhqV1Y1UUNLbWFfdWd3b0JBWE9UaldueW0tN2NXRW9iei1wRWkxRGF5ekVtenJpZVhDZnIyWGdGQldP?oc=5) · The Business Journals
- 2026-01-24 [William "Trip" Riseley Obituary - Cape Cod Times](https://news.google.com/rss/articles/CBMiYEFVX3lxTE5xN0JUR01qWXpBQnFKd0l0TDZwcXNRZGcyTWxWUkJRVnYtU2x5Mms5OXQwMk5CV1FtMWhFRGFZdjBYTVB5V0FYNUFHZjNDRWhMeEU2Q0hpVEVvRDNFWmFVMw?oc=5) · Cape Cod Times
- 2017-02-14 [Cooperative Bank of Cape Cod names first female CEO - American Banker](https://news.google.com/rss/articles/CBMipwFBVV95cUxQVmNVT2llYVR1WE1UY0pPd0JvYW8yRnJiOXJWRGtkdU9xZFNabEdnc21KZUZ2NzZBSFJPQWVQaUw2N1B0Sjc0NDZjOHEycGxZSEFHZXN5R1I2WGlJZ1dwTUNqenlzZ1ZvaFJwMVdkVW9fMjgyeFJMWk9nSjM5TVVEYUlMSExiUHpQRl9vazl1OUtRZTI3SW04YXFNTEU0ZlE0M2pFOXNNMA?oc=5) · American Banker
- 2024-12-23 [Cooperative Bank Of Cape Cod Announces Nearly $125,000 In Nonprofit Support - CapeCod.com](https://news.google.com/rss/articles/CBMirgFBVV95cUxPN0xLczd2dlZZQ1RUUlByVFhISGtjUXJXLU1vZXdjOHRxalU2eS1TWW1TR1dSeGhpQnlydmFSczVsdzdTc2gtbEJKaUljUGpjbDYtSjRXMEdRc1M1d0MzWjRKQ3IwYlUtZnV1SEh6ZUdWWlpSQjFfdEFDcDlLeXRLY0pZaHM0OFVGS25wNURSSExGR29DNUsydWNSVl9RVEdNZmRaY0dnZGhDTm1zYWc?oc=5) · CapeCod.com
- 2015-05-24 [Timothy Telman, Bank of Cape Cod - Banker & Tradesman](https://news.google.com/rss/articles/CBMiTkFVX3lxTE00Ym1BUVJHYVlROFpRTHg3NGNYRUw1aVNPNzY3Zk1vVzdRbTJ4cVRaN2VhSkNjMWE3Nl83ME8zcE5DSDZmRWxhRVNaR09Xdw?oc=5) · Banker &amp; Tradesman
- 2014-11-20 [Obituary information for Ronald E. “Ron” Reed - Chapman Funerals & Cremations](https://news.google.com/rss/articles/CBMifkFVX3lxTE84LU8yd01jQVpFU3pCeDZxUm1BYjU3cXhPWGU2RmtLa1RYZklkLU41MmVGSEo0bWdyS3ZLb2NVdFdibHRiMkp1alJGRTgxUlhBR19WVDA2MFpjanhXWVhYZTBXeHc0TVhiQnVWUVVBeWZTVkF5cHd3aUI1VVBCZw?oc=5) · Chapman Funerals &amp; Cremations
- 2016-07-28 [Rockland Trust acquisition of Bank of Cape Cod on track - Cape Cod Times](https://news.google.com/rss/articles/CBMiqgFBVV95cUxONTNTYVJSQlVpalgyWklxUkpPZm5HdVVuZ0RlNTU1OXBnSlRYWHgxYS02cllvMHh0OE5NcnlGOTFHRVJKQ0hDbmZhLXRXc3dxS1ZGYjNnM3FrbFdGaWxnZlRYWlAtOG82TFctMmoxYkxFLVJ2RTE4QTdXdnJNRlhqYlA4bC1FTFE1V0gwMG9hMHk2TDdtMWo3SzhGN0hGTUNpNDZGTGowRWFJQQ?oc=5) · Cape Cod Times
- 2025-08-25 [New CEO named at Cooperative Bank of Cape Cod - The Business Journals](https://news.google.com/rss/articles/CBMinwFBVV95cUxOSHlLNlVRS1ExOFpXNHgtWThZQXNhdlhHTWlnX2dVRTRad0RsYzRxWTJlRldCNFZmdGlTaWZBTTJYR1B0Zmo3NXRBdVFNWmJUN25sT08wSEIzTm1pQlRXdW81SG4zcUdsLU5odUtJVzJuck8tQ1BaclZoWmVSYkxIb0J5Nm1FNkltOHpaZUZwV3JQanVDQlNtd0ZOWkF4RU0?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58270 (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/30.json (key "58270", 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