Cape Cod Five Cents Savings Bank

Cape Cod Five Cents Savings Bank Locations
19 West Road P.O. Box 10
Orleans, MA 02653
888-225-4636
www.capecodfive.com
Cape Cod Five Cents Savings Bank was founded in 1855 as a trust, operating for the benefit of its customers and their communities. Since then, its name and ownership have never changed, ensuring the continuity and stability its customers have come to expect. And today, as expressed in their advertising, Cape Cod Five remains "defiantly independent" - a mutual trust, with no stockholders. Thus, Cape Cod Five cannot be bought or sold.



Report an Issue
See Rates for: Checking | Savings | Money Market | CD | IRA

Cape Cod Five Cents Savings Bank Checking Account Rates

ApyMinMaxProduct
0.05%--Interest Checking

Cape Cod Five Cents Savings Bank Savings Account Rates

ApyMinMaxProduct
0.10%--Statement Savings
0.10%--Passbook Savings
0.10%--IRA Savings
0.10%--Roth IRA Savings
0.10%--SEP IRA Savings
0.10%--SIMPLE IRA Savings

Cape Cod Five Cents Savings Bank Money Market Rates

ApyMinMaxProduct
0.70%$100k-Money Market Account

Cape Cod Five Cents Savings Bank CD Rates

ApyMinMaxProduct
1.60%$2k-60 Month Ladder CD
1.45%$1k-60 Month Income CD
1.45%$1k-60 Month CD
1.35%$2k-48 Month Ladder CD
1.20%$1k-48 Month CD
1.20%$2k-36 Month Ladder CD
1.05%$1k-36 Month CD
0.95%$2k-24 Month Ladder CD
0.80%$1k-24 Month CD
0.60%$1k-18 Month Cape Plan CD
0.55%$2k-12 Month Ladder CD
0.50%$1k-12 Month Cape Plan CD
0.50%$1k-18 Month CD
0.40%$1k-9 Month Cape Plan CD
0.40%$1k-12 Month CD
0.30%$1k-6 Month Cape Plan CD
0.30%$1k-9 Month CD
0.20%$1k-91 Day Cape Plan CD
0.20%$1k-6 Month CD
0.10%$1k-91 Day CD

Cape Cod Five Cents Savings Bank IRA Rates

ApyMinMaxProduct
1.55%$1k-60 Month IRA
1.55%$1k-60 Month Income IRA
1.55%$1k-60 Month Income Roth IRA
1.55%$1k-60 Month Roth IRA
1.55%$1k-60 Month Income SEP IRA
1.55%$1k-60 Month Income SIMPLE IRA
1.55%$1k-60 Month SEP IRA
1.55%$1k-60 Month SIMPLE IRA
1.30%$1k-48 Month IRA
1.30%$1k-48 Month Roth IRA
1.30%$1k-48 Month SEP IRA
1.30%$1k-48 Month SIMPLE IRA
1.15%$1k-36 Month IRA
1.15%$1k-36 Month Roth IRA
1.15%$1k-36 Month SEP IRA
1.15%$1k-36 Month SIMPLE IRA
0.90%$1k-24 Month IRA
0.90%$1k-24 Month Roth IRA
0.90%$1k-24 Month SEP IRA
0.90%$1k-24 Month SIMPLE IRA
0.70%$1k-18 Month IRA
0.70%$1k-18 Month Roth IRA
0.70%$1k-18 Month SEP IRA
0.70%$1k-18 Month SIMPLE IRA
0.60%$1k-12 Month IRA
0.60%$1k-12 Month Roth IRA
0.60%$1k-12 Month SEP IRA
0.60%$1k-12 Month SIMPLE IRA
0.40%$1k-9 Month IRA
0.40%$1k-9 Month Roth IRA
0.40%$1k-9 Month SEP IRA
0.40%$1k-9 Month SIMPLE IRA
0.30%$1k-6 Month IRA
0.30%$1k-6 Month Roth IRA
0.30%$1k-6 Month SEP IRA
0.30%$1k-6 Month SIMPLE IRA
0.20%$1k-91 Day IRA
0.20%$1k-91 Day IRA w/recurring electronic deposit
0.20%$1k-91 Day Roth IRA
0.20%$1k-91 Day Roth IRA w/recurring electronic deposit
0.20%$1k-91 Day SEP IRA
0.20%$1k-91 Day SEP IRA w/recurring electronic deposit
0.20%$1k-91 Day SIMPLE IRA
0.20%$1k-91 Day SIMPLE IRA w/recurring electronic deposit

Rates updated: 2/11/2012

Data for Q3 2011


Institution Statistics


The Cape Cod Five Cents Savings Bank
DIF #Member
FDIC Certificate #23287
BankRate ReportView
Year Established1855
Employees367
Primary RegulatorFDIC

Assets and Liabilities

Assets$2.08 billion
Loans$1.52 billion
Deposits$1.80 billion
Equity Capital$204.61 million
Loan Loss Allowance$17.77 million
Unbacked Noncurrent Loans$14.67 million
Real Estate Owned$877,000

Historic Data - September 2010

Assets$1.97 billion
Equity Capital$191.96 million
Loan Loss Allowance$19.24 million
Unbacked Noncurrent Loans$12.22 million
Real Estate Owned$2.31 million

Profit Margin - Quarterly

Net Interest Margin3.05%
Return on Assets0.63%
Return on Equity6.35%
Interest Income$55.65 million

Institution Health


Overall Score:
5 out of 5
5
Texas Ratio5
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 September 30, 2011 Cape Cod Five Cents Savings Bank had $15.54 million in non-current loans and owned real-estate with $222.37 million in equity and loan loss allowances on hand to cover it. This gives Cape Cod Five Cents Savings Bank a Texas Ratio of 6.99% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend3
The Texas Ratio for Cape Cod Five Cents Savings Bank held steady from 7.21% as of September 30, 2010 to 6.99% as of September 30, 2011, resulting in a positive change of 3.05%.This indicates that the balance sheet and financial strength for Cape Cod Five Cents Savings Bank has held steady in recent periods.
Deposit Growth5
In the past year, Cape Cod Five Cents Savings Bank has increased its total deposits by $108.06 million, resulting in 6.39% 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 Five Cents Savings Bank has shown is excellent.
Capitalization4
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 Five Cents Savings Bank has $2.08 billion in assets with $222.37 million in equity, resulting in a capitalization level of 10.71%, which is above average.
Write Review

No reviews have been left for this bank yet. Be the first to review.


 
Featured Savings Account
Nationwide Savings Accounts