Cape Ann Savings Bank
Gloucester, MA
IDRSSD: 627108
Total Assets
$1.04B
Latest filing
Total Deposits
$782.66M
Latest filing
Net Interest Margin
2.63%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Cape Ann Savings Bank
109 Main St
Gloucester, MA 01930
Full Service - Brick and Mortar
Updated 01/30/2026Established 04/15/1846FDIC Certificate 17794
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Cape Ann Savings Bank (Main) | 109 Main St | Gloucester, MA |
| GRANITE BRANCH | 247 Main St | Rockport, MA |
| MANCHESTER BRANCH | 17 Beach St | Manchester, MA |
| GLOUCESTER CROSSING BRANCH | 4 School House Rd | Gloucester, MA |
Showing 3 of 3
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | State chartered stock savings banks / S&L |
| Primary Regulator | FDIC |
| Established Date | 04/15/1846 |
| Community Bank | Yes |
| Ownership Type | Mutual |
| ZIP | 01930 |
| State and County Number | 25009 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 01 |
| Numeric code | 42 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Boston-Cambridge-Newton, MA-NH |
Operational Info
| Number of Employees | 80 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 11/17/2024 |
| Date of Deposit Insurance | 10/22/1985 |
| Primary Insurance Agency | DIF |
| Website | capeannsavings.bank |
| Data Updated | 01/30/2026 |
| CERT | 90203 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.04B |
| Total Deposits | $782.66M |
| Total Liabilities | $830.18M |
| Total Equity Capital | $208.91M |
| Net Income | $800.00k |
| Net Loans and Leases | $720.05M |
| Assets Per Employee ($Millions) | $12.83M |
| Bank Premises and Fixed Assets | $18.77M |
| Cash and Balances due from Depository Institutions | $0 |
| Deposits Held in Domestic Offices | $782.66M |
Key Performance Ratios
| Return on Assets (ROA) | 0.31% |
| Return on Equity (ROE) | 1.54% |
| Net Interest Margin | 2.63% |
| Efficiency Ratio | 64.05% |
| Tier 1 Risk-Based Capital Ratio | 27.156% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 20.105% |
| Earning Assets to total Assets | 95.34% |
Income and Expense
| Total Interest Income | $11.10M |
| Total Noninterest Income | $1.28M |
| Total Interest Expense | $4.61M |
| Total Noninterest Expense | $4.97M |
| Net Interest Income | $6.48M |
| Pre-tax Net Operating Income | $2.79M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $19.33M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $28.20M |
| Total Liabilities and Capital | $1.04B |
Securities
| Securities | $222.25M |
| Available-for-sale debt securities | $131.64M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Cape Ann Savings Bank?
$1.04B as of the latest filing.
How much are Cape Ann Savings Bank's total deposits?
$782.66M in total deposits.
Where is Cape Ann Savings Bank located?
Gloucester, MA.
What is the Net Interest Margin?
2.63%.
How many domestic offices does it operate?
4.
When was it established?
04/15/1846.
What is the Return on Assets (ROA)?
0.31%.
How much are total loans and leases?
$720.05M (latest filing).
What is the total interest income (latest filing)?
$11.10M.