# CAPE ANN SAVINGS BANK
GLOUCESTER, MA · FDIC certificate 90203 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. 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 | $1.07B | |
| Deposits | $804.8M | |
| Loans and leases | $735.8M | |
| Total equity | $216.5M | |
| Loans / deposits | 90.65% (p62 of band) | 87.10% |
| Liquid assets / assets | 27.56% (p71 of band) | |
| Uninsured deposits / deposits | 23.41% (p25 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.81% (p28 of band) | |
| FHLB advances / assets | 1.54% | |
| Tier 1 leverage | 20.48% (p98 of band) | 10.50% |
| Unrealized securities loss / equity | -45.69% (p3 of band) | -7.75% |
| AOCI / equity | -0.65% (p28 of band) | |
| ROA (annualized) | 1.72% (p79 of band) | 1.26% |
| Net interest margin | 2.78% (p9 of band) | 3.70% |
| Efficiency ratio | 58.55% (p49 of band) | |
| Noncurrent loans | 0.59% (p56 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p18 of band) | |
| Reserve coverage of noncurrent | 142.96% | |
| Real estate % of loans | 98% | |
| Construction % of loans | 10.79% (p11 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 8.7% | |
| Employees | 80 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | NIM <2.5%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 3 | capital falling |  |
| 2012-06 | 3 |  |  |
| 2012-09 | 3 |  |  |
| 2012-12 | 2 |  | capital falling |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 3 | capital falling |  |
| 2014-03 | 2 |  | capital falling |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 3 | capital falling |  |
| 2015-03 | 2 |  | NIM <2.5% |
| 2015-06 | 3 | noncurrent p90 |  |
| 2015-09 | 2 |  | capital falling |
| 2015-12 | 2 |  |  |
| 2016-03 | 3 | capital falling |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 2 |  | capital falling |
| 2017-06 | 1 |  | noncurrent p90 |
| 2017-09 | 2 | noncurrent p90 |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 |  | noncurrent p90 |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | securities losses >30% of equity |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 3 | capital falling |  |
| 2019-12 | 2 |  | capital falling |
| 2020-03 | 3 | losing money |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 2 |  | losing money |
| 2020-12 | 1 |  | reserve under noncurrent |
| 2021-03 | 2 | NIM <2.5% |  |
| 2021-06 | 3 | capital falling |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 | expense ratio p90 | capital falling |
| 2022-03 | 3 | losing money | expense ratio p90 |
| 2022-06 | 3 | capital falling | NIM <2.5% |
| 2022-09 | 3 |  |  |
| 2022-12 | 1 |  | losing money, capital falling |
| 2023-03 | 2 | NIM <2.5% |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 3 | expense ratio p90 |  |
| 2024-12 | 2 |  | expense ratio p90 |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 1 |  | NIM <2.5% |
| 2026-06 | 1 |  |  |

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

- 2026-02-03 [Fund created to support families of 7 crew members killed in Lily Jean sinking - WCVB](https://news.google.com/rss/articles/CBMigAFBVV95cUxNekhJRldiLTJqS3lYMjJKSG5HcnF1NThBTDE0dmFxSGxDek05MmZhX19sckw4anVUM05VSjV6YlpzRVVyWW5uVWdtN2hVbkN3VGpOZkJXY0p5VVVCT3R1Zjh4aWJxSmRSZjU4ZUlxR1E1ZVFZd0dSUllIRFZ5QTZXdQ?oc=5) · WCVB
- 2020-12-21 [Marianne Smith tapped as new Cape Ann Savings Bank president - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOdG9BakR5WlR1VUIwRGxUZldtQllXVjYtTnBDd1lJRnNTQ3pJWjAzM282SGlXaG5aRFJJRGhrS2hYRjljSFVZdUhSNVRObmM3MF80VEhsVnh2aGp0anFjZTRMNVM5MUlCZ1dNbE9CU3RMTEpFY2M2SzhIWXVKaTVWVFFFaGVRTk9LcFZkN1RFNnhIOGF5aDZacWJocHNfN0RIbEZENUdaRms3Zw?oc=5) · The Business Journals
- 2023-02-28 [Cape Ann Savings Bank names trustees - Gloucester Daily Times](https://news.google.com/rss/articles/CBMizAFBVV95cUxQOXY5ajJocXdHeWxQeE9UdEpFM3ZCS2R3TFpDTEc4d1VJaDZpeUJpa0RJWnJkLU11Y0xMWkItUE9ZLVJRUkNtejljRVZiNlZZU25EM3AtdXF0dlFHbTlJVjE3Z01iNzRYMGxSMkllZWZlZjQ0MFotOHA0MlIxX3JGUGlxd1dVYlg4NzdEMldGZDVUZWlReHg0eDR0VkU2Q1BrcS15MC00aGU2aGdsTG1yaHJrNTJHWG1UdXJ0LXBmTnB1UFkwbDFKY3JuS0E?oc=5) · Gloucester Daily Times
- 2025-04-11 [America's Best Regional Banks and Credit Unions 2025 - Massachusetts - Newsweek Rankings](https://news.google.com/rss/articles/CBMilgFBVV95cUxPTmJPdGhIaWVPaHFvZ2lWVzJOZDVFakcwWUpsUFNQUWZUdDVHbW83OGFJSVpLVVFJanl4SjZUbjZGbXZCOWU4bHNIRjlmMUR2U2FTUjlhaVY0WkRXalRtU01VVl9mSzluUXNKc29CTGluQVcxdzFRWXpLWHhrRjZEVElWQlRPQUhhN1NvdHJDTFg2UDBFdmc?oc=5) · Newsweek Rankings
- 2026-02-04 [How to support the families of the F/V Lily Jean crew - Boston Herald](https://news.google.com/rss/articles/CBMimgFBVV95cUxPMUZkT09YejUyX2xPU2NRa1kybjBsN3pzLWNXbENROFRPNWkybWhQNHlfbG12MFBoZTZsdzd2V0pMc0ZpSzVuMUl2NmJrNVpXU0NsU0Y0OW5zT043a284LXdBTHBUM2lpNngxSWQ2bDAwQmFKR2xNcm5EWUZvYlY1eVQ1OW9WX3RVOVozQ3VtNEk4VVpwc2dVbFJ3?oc=5) · Boston Herald
- 2024-02-15 [Obituary information for Barbara Ann Hemeon - campbellfuneral.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxNWUR4T2gwbURka2hjMnBTTlFrMi0wNjdWbFRhZ19LMUhXWjJpY0xFS1BNT3hVX0hjcnlmeEhaSFlBbi0zLVFrMjY0QUd6ZksxMkM2VkhZVkFmaWE5eUp5bGhOOWhWdlBkWEVDcV9TOWtZTGVRcFFSZHBXeTNTTHhsVQ?oc=5) · campbellfuneral.com
- 2024-06-12 [Noyes joins Cape Ann Savings executive team - Gloucester Daily Times](https://news.google.com/rss/articles/CBMiygFBVV95cUxONU5ReHc5OC13SlFabGxaZWdTaVJTd1lueHpYUGI0dDhfUG5wZTdOZGw2NklBb0xSUDU2QjVnVTNqMTUxM0J0dVNrcXhycDRLQUN0QVZuOWc4c2ZLdGw0a0RlZEg1WFFqSndFOGtCS05vdHU1Z25hRjJmNlpONjFvTUxVZkhYbFpidlcyUUJCWjdHcmZQeVFxUmJTVy1Qd0EtM0s1ZHNLZFgtU3l5c1JlTG5INWEzazZaSFlYV3V0bHpERGJ6NjZGUzNB?oc=5) · Gloucester Daily Times
- 2020-11-27 [Benjamin “Ben” Hamlen Gannett Obituary Nov 27, 2020 - odonnellfuneralservice.com](https://news.google.com/rss/articles/CBMie0FVX3lxTE5fNVdZUU1VTlVtYU1aUXNkVm9RQmdFX1pMQ3RWQ1ZleEREWEd5UE1pUDBEZ1JRQnlCY2lTQkZCNll1NWxGYkhQYXh5b3hhbGhfV0FOSjR2OThqMkRZbnBCR0hTUFI0Y21RUlVVMURQT2htRUZzdDFkWW9FYw?oc=5) · odonnellfuneralservice.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=90203 (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/27.json (key "90203", 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