Cape Cod Co-operative Bank

Cape Cod Co-operative Bank is headquartered in Yarmouth Port and is the 40^th largest bank in the state of Massachusetts. It is also the 1,015^st largest bank in the nation. It was established in 1921 and as of December of 2011, it had grown to 122 employees at 7 locations. Cape Cod Co-operative Bank's savings rates are 92% higher than the national average, and it boasts a 5-star health rating.

Cape Cod Co-operative Bank Checking Account Rates

Cape Cod Co-operative Bank Savings Account Rates

Cape Cod Co-operative Bank Money Market Rates

Cape Cod Co-operative Bank CD Rates

Data for Q4 2011

Institution Statistics Cape Cod Co-operative Bank FDIC Certificate # 26517 BankRate Report View Year Established 1921 Employees 122 Primary Regulator FDIC Assets and Liabilities Assets $642.62 million Loans $528.63 million Deposits $484.03 million Equity Capital $62.59 million Loan Loss Allowance $5.74 million Unbacked Noncurrent Loans $6.39 million Real Estate Owned $1.77 million Historic Data - December 2010 Assets $593.36 million Equity Capital $57.77 million Loan Loss Allowance $6.24 million Unbacked Noncurrent Loans $7.67 million Real Estate Owned $1.71 million Profit Margin - Quarterly Net Interest Margin 3.42% Return on Assets 0.74% Return on Equity 7.6% Interest Income $25.10 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Cape Cod Co-operative Bank had $8.16 million in non-current loans and owned real-estate with $68.33 million in equity and loan loss allowances on hand to cover it. This gives Cape Cod Co-operative Bank a Texas Ratio of 11.94% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Cape Cod Co-operative Bank decreased slightly from 14.66% as of December 31, 2010 to 11.94% as of December 31, 2011, resulting in a positive change of 18.53%.This indicates that the balance sheet and financial strength for Cape Cod Co-operative Bank has improved slightly in recent periods. Deposit Growth In the past year, Cape Cod Co-operative Bank has increased its total deposits by $27.68 million, resulting in 6.07% 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 Cod Co-operative Bank has shown is excellent. Capitalization 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 Cod Co-operative Bank has $642.62 million in assets with $68.33 million in equity, resulting in a capitalization level of 10.63%, which is above average.

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