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Overview / Commentary
225 North Main Street
Cape May Court House, NJ 08210

Cape Bank is headquartered in Cape May Court H and is the 23rd largest bank in the state of New Jersey. It is also the 614st largest bank in the nation. It was established in 1923 and as of June of 2014, it had grown to 179 employees at 15 locations. Cape Bank has a A health rating.

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Data for Q2 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 Cape Bank had $13.1 million in non-current loans and owned real-estate with $140.82 million in equity and loan loss allowances on hand to cover it. This gives Cape Bank a Texas Ratio of 9.30% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Cape Bank decreased dramatically from 15.46% as of June 30, 2013 to 9.30% as of June 30, 2014, resulting in a positive change of 39.81%.This indicates that the balance sheet and financial strength for Cape Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Cape Bank has increased its total deposits by $17.44 million, resulting in 2.19% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Cape Bank has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Cape Bank has $1.09 billion in assets with $140.82 million in equity, resulting in a capitalization level of 12.90%, which is excellent.

Institution Statistics

FDIC Certificate #28395
Year Established1923
Primary RegulatorFDIC
Assets and Liabilities
Assets$1.09 billion
Loans$777.11 million
Deposits$815.61 million
Equity Capital$131.10 million
Loan Loss Allowance$9.73 million
Unbacked Noncurrent Loans$8.76 million
Real Estate Owned$4.34 million
Historic Data - June 2013
Assets$1.05 billion
Equity Capital$134.93 million
Loan Loss Allowance$9.79 million
Unbacked Noncurrent Loans$8.76 million
Real Estate Owned$7.40 million
Profit Margin - Quarterly
Return on Assets0.79%
Return on Equity6.59%
Interest Income$20.61 million
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Cape Bank Savings Account Rates

0.10%$100k-50+ Statement Savings
0.05%--Statement Savings

Cape Bank CD Rates

1.60%--4 Year CD
1.30%--3 Year CD
1.20%--2 Year CD
1.00%--5 Year CD
0.50%--18 Month CD
0.30%--1 Year CD
0.20%--91 Day CD
0.20%--182 Day CD
0.10%--30 Day CD
0.10%--60 Day CD

Cape Bank IRA Rates

1.60%--4 Year IRA
1.30%--3 Year IRA
1.20%--2 Year IRA
1.00%--5 Year IRA
0.50%--18 Month IRA
0.30%--1 Year IRA

Cape Bank has 15 locations. Click to view all Cape Bank locations.